HomeMy WebLinkAbout97-00134
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rAIN!'~H JAM~~ R Er AL
H. rtlOmaf. Kllne
Sher1ft. who be1ng duly "worn accord1ng
to l"w, :oays, that he m...d,= a d111gent search ...nd 1nquiry for the w1thtn
named defendant, to W1t:
PAltHI-:R JAMI-:S R
but was unabl~ to locat~
Hlm
1n h1s ba111w1ck.
lie thE.'rljfoI e
dC'l'utl;:e<.J the' sherl.ff of
FfIAfn.I.1N CUUtlTY_ Cc'unty. ["c>nr.sylvan.a.
t>> SC'fVe I he w1thin CUMI'I,AltlT" MIJRT ,-URI-:
Un FobnJ;:Jry ::hth, ")'37
the attached ,eturn from
tIllS 0f11C~ W~~ 1n rECetf1l 01
':I<AtIKl.I N I:IIIIIHY
Cuunty, Fennsylvanla.
SherIff's C03tS:
So answers:
[Jocketlng
Clut of County
~;urr:harge
FHANKIIN COUNTY
IH.00
9.00
2.00
30.4111
?':>'3. 4111 MCAllE. WEISlJEEG & COllWAY
02/2&/1997
I . ,t' ,;1__/
R. Ihomaa ~llne; ~herlff
SWClr nand subscr lbed to be'forE' me
~-
this t.. ~_ day of jJf... ,'-",
lCJ 1;'2- A.I'.
~ -4;', n'. .
.___ '- $~ '-=-rJ.J..l~A~t'_L,-,___,,____,_
I (-f)l_IIQllOt.Bry
SHERIFF'S OFFICE
3. ()HTNDAN rt s!
157 LINCOLN WAY EAS!, CHAMREHSBUHG, PENNSYLVANIA 17201 (717) 261-3877
SHERIFF SERVICE !INSTRUCTIONS FOR SERVICE OF PROCESS. Pleose 'ypo or p"nl
PROCESS RECEIPT. and AFFIDAVIT OF RETURN loglilly. Do nol dolocll ony cop,os,
PLAINTtrfl ~l' j~ COUIlT NUMBUl
Household Realty Corporation i 97-134 Civil Term
!.I 'YP[ 01 WHIT Ofl COMPLAINT
[COMPLAINT IN MORTGAGE FORECLOSURE
!O';IIlVICI Oll{l! ';C1l1P1IONOI 1'1l0l'lllTY 10m IIVIUl,AnACHl()OIl~;OLD
James R. Painter
SERVE
..
{I, NAMIOf H>l[)lVl[ll!AI COMPANY COHI'OHAfI()N I Ie
James R. Painter
lJ ADDHlSS (Slreel or nFO, Apilllflwnl No . Clly, BOlO, Twp_. SlaIn and lIP C()(Jo)
AT 9242 Brandt Street, Greencastle, PA 17225
7 INDICA TE UNUSUAL SEHVIC[ I I COMMON OF PA I I DEPUTIZE I 10THEH
Now, 19, I. SHERIFF OF FRANKLIN COUNTY, PA" do hereby deputize the Shentf ot
Counly to execute this Writ and make leturn thOleol according
to law, This deputation being made at the request and risk 01 the plainllll,
8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE:
,"1 /l,I! ,,1 I """~l"l (.(WII~l V
NOTE ONLY APPLICABLE ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN - Any deputy sh-tmlf leVYing upon or al1JChlng any properly umJm
wlHlin will may leave Stllllfl Without iI watchltl,H1, III cllslmly 01 whomever IS lound In pOSsosslon, alter 1l0111Yln[J person 01 levy or all<Jchmenl. Without liability 011
Iho par1 01 ~uch df'puly or tho slwnlllo .lny pl,unllft horoln lor ,my loss, de~;lftJcllon or removal 01 ,my such property lJofow stumll's sale Ihereol
9.. SIGNATURE 01 ATTORNEY or oilier ORIGINATOR 110 TELEPHONE NUMIJEn 111 DATE
McCabe, Weisberg & Conway
-..-.- ---.- . .
12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This areo must be completod II notice Is 10 be mallod)
Cumberland County Sheriff, R. Thomas Kline, 1 Court House Square, Carlisle, PA 17013 ~
SPACE BELOW FOR USE OF SHERIFF ONLY - 00 NOT WRITE BELOW THIS LINE -r
1-3 1-.~~k~~wledUH recelpt'ol ti,~-~n-t--}'- -'sI9~TURE -01 AiJlhon;ed FCSO De~ or Clerk ,1I1(11111IJ i 14 Dale flec(w'cd 1"5 [Xplf,lllontl(:drlf1(1 d,\le-~\
orcompli1lnlasHlu,caleuililovo ^~ ~r I 2-11-97 13-10-97 \
16 t hereby CERTIFY .HlCj RETURN thai I [ I t"lve~naIlY SNVP(J, i ] l1ave leqal ()VI(lpf)cn 01 servlW il~; shown Irl "nemarks', [1 have cx.ccutnrl il~; ~;hnwn 111
"nernilrks", 1110 wrll or curnplalnl descrlhed on Ihe mdlVldlJill. company. r:orporilllOIl, (l'C, at IIw d(lures'", shown ..hove or on the Indlvldu;ll. company,
corporation. elc, atttw ilddtf~S5 InslJrlmj helow hy hafl(jllnq d TRUE ond ATTESTED COPY Ihm('ol
17. i) I herehy cerllly and roturn a NOT FOUND hecause I iHll 1lI1ilbln to localn ltH~ IndlVlduilI, cornp;lllY, corportlllon, elc. nml1c{l iltlove. (See remilrks tH'low)
18 Namo and title ollndlvlduill snrved (II nol shown above) 119 A I".r'.," ,,' ~".II!"" d'l" ""'1 "".,,,,1.,,,, u"."
And rew Flood (5 tepson- 18 yea r 5 0 I d) j PI';~'~::,"II ;" II,,, (1,1,.'_1.11Il<. (I~".,I ,'!,I<:O' "I
20 Address of where sorved (cornplelc only.1 dlllernntthafl shown above) (Slreel Of HFU, Apartment No . : 21 1),lll! ,;1 ~;l'r..k'! T 22. TUllt!
City, Doro, Twp. Slale and Zip Code) I
Same as #6 , 2-13-97 7:30 pm
23 ATTEMPTS I ::;; [M;I~' D~4Int.1 Ooto [ Milos lOOP. Int.I Dato I Milos lOOP' Int. i Ooto I Miles [ Dep. Int.I Dalo I Miles I Dep, Int.
24 Advanco Costs 25 Service Cosls [26 Nolary Cml [21 MIIl!aun or Postage 128 Tolal Costs 129. COST DUE OR REFUND
18.00 4.00 8.40 I 30.40 I 19.60 refund
M.'
I".'
1',1
11l',1
30 REMARKS
31. AFF)RMfD and subscflbed to belorn me 11115
q~/f'!- Februari "/t
37 . /_U~~.<I ('" ;\ -7-<
yr::':.,-! ,"',,"
MY COMMISSION EXPiriES. .. - - ,-_.. ---
311 I ACKNOWI EDGE RECEIPT or fllI"ilH~F"'6 R!;1\H1N SIGNA URE I
OF AlJl110nllED ISSlJII Co A1Jflil'\jlfl,; AlIHIWiIl/olaryPubhc
-:1\'\l'\'lh~r~~ur(j, Frnnklin County
IL'.() 'l'lf. . .t ~ ' :."'~/lE)l IroIlNov_4.2000
14th
--e""-,~:.r~r; Go. -L
I';;">":::::::;"'" Bernard L. Clopper tr
1-,"'1'-.,1,..,,'
"",,,..
I" 1>'''''2-14-97
\l,!l.l'"
:
1 !~
97
SHERIFF OF FRANKLIN COUNTY
11'.[,.,",11,
,,-,,"1
I 1~~lJING AIJ111,)f'I]'(
.-
~
- ~
SHERIFF'S OFFICE
...
3 DEFENDANTISI
157 LINCOLN WAY EAST, CHAM[JEnS[JUnG, PENNSYLVANIA 17201 (717) 261-3877
SHERIFF SERVICE jINSTRUC. TIONS FOR SERVICE OF PROCESS PI....;~;:,-or prlnl
PROCESS RECEIPT, and AFFIDAVIT OF RETURN lau~bly Do nol delilch any Copl.'.
1 PLAINTIff I 51 -. 2: COUfH NUMUEH - - - -----..----- .
llou'll'holJ l{j~lllty CiJrp\lrdlldll 4/-IJ4 <'::1\1il TIHm
4. TYPE OF WRIT 011 COMPLAINT
(;l 1M I'J.A I NT 1 N HOIlTGAGE. FORF.c,LllSUIII';
TO 5U\VlCl Olt n[~;C'il"TlON or PilOl'lflTY TO BE lEVIED, ATTACHEDOU SOLO
.Jam(~u H. IJaJnt'lr
{ !l NA~...1E~- OF IND'VIDUAl. COMPANY, COHI'OfIAT!ON, He,
.Jllm~1I R. l'ldntl'r
. -e-ADDRESS(SI,e';IOI RFD, Ap."menINo . Cily. 13010, Twp., 51111. and'ZIP Codal
~AI_____ _." _~!l_~4]__Hran~J___~~_~u~JJ___~;_~I'(!IlCllfoltl4.!_I__ P^._17~l~_!5___ ___ ________~~__
'7 INDICATE U!lUSUAL SE~VICE..I.:I COMP.1_0NOF PA,(] .DEPUTIZE u .oTHER _. _ . _ .. _ __._ . _________~____~__..
No-w~=--'--_-'---=--":~.~-:-_____ 19_.=___ , I, SHERIFF OF FRANKLIN COUNTY, PA., do hereby deputize the Sherifl 01
----~-.------- --_ County to execute this Writ and make return thereof eccording
to law. This deputation being made at the request and risk of the plaintifl. . _____ _____________._ _...... ..__ ___._
__ .__~~___.____ ~...__________.___~__________"~~~~_~~,,'_~l~~Jt4~!__ ____~______~
i"SPECIAL iNSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN El\PEOITING SERVICE:
SERVE
.
NOTE ONLY APPUCASLE ON WRIT OF EXECUTION: N.B. WAivER-OF WAyc:HMAN::-Any deputy shenN levying upon or .1I.chlng eny prop.rty und.,
within wnt may leave same withoul a watchman, in cuslody 01 whomevoI Is lound in possession, altel notifying person 01 levy 01 attachmont, without liability on
Ih.Qp~rt 015U~h dop..!!!Y.21 the shen}' to env-pIl!~~~~ln 'Q!.@...ny loss~ostrucljo~ 01 re~.9vaI91 anY~!Jct!plop~t,!~*~IA shenf!'s ~Io ther~oL_____~_ _ __
9. SIGNATURE 01 ATTORNEY or olher ORIGINATOR j 10, TELEPHONE .,UMBER II. DATE
HcCab~, IIcluberg I. COllway
12. SEND NOTICE OF SERVICE COPY TO NAME ANDADDAESS -B'ELOW:'jThli ii.e -mUll be compleled II noiiclllio be m811.dj'--- ---- -
Cumberland County Sheriff, R. Thoman Ktilll', I Court lIulwe Squnre, Carl1nlu, I'A 17013
SPACE BELOW FOR USE OF SHERIFF ONLY - DO NOT WRITE BELOW THIS liNE
13 I acknowlodgo recolpt ollho wrll } 'S~NATURE of Au-thofllOd FCSO Deputy or Clark and Tille 14 Dalo RecOlvcd 15 Ellplratlon/Heanng d,llo
or complain I as Indicated above ~ ~_-""r 'l-lG91 3-10-97
16 I heroby CERTIFY and RETURN Ihal I r h-avopsona~e-~~-=I o~ld~n~~ ~fServ~o ~-~-~h~ln "Remarks", [J have executed -;;~hown -I~
"nemarks", tho wrll or complaint doscrlbed on the indiVIdual, company, corporallon, clc., altho address shown above or on tho IndiVidual, company,
corpor_~~~,~.:,_~lthe addro~~__~~~~.~~_~~~~~_~~ _~~~~~g_~_ !~~~.~~_ ~!!~ST_E~_ ~~~X "t~o~.?L__._._ _ ____ _____~~_..___~_~__
_!!.:.!2~~!_~y cortlfy and .!~tur~ ~_~Ot:__!:.~~N_~ .~?_~~uSO I am"u!lnbl_~J..~ !~~.~e. ~h_o__i~d..!.~~~<~I~ C.9~e~.~y'.,.~~rpora~an_, e~c.~ nam~d ~bovo,J~~t! remarks bo-'E~)
lB. Name and f1Uo of Individual served (If not ShOW. n nbo.ye)... 119 A plIlllln 01 BUllahle age and d'~leho" lIIen
. .. ( . .... f' rt!S>I"OO I" Ihlt delendant. uBual pleu of
20-:--Addross o'-wAh~ts~~e: (~~~~oto ~~'~:~:-~Ii;rr~nl-:hin-~~~:~ :~~~~/SlreOI or-AFD, ApartrnQnl No., ~- a~~ ln21 O~110~1 SONIC; r2~ fm-;------;u:; ----
Clly, Bora, Twp. Stato and Zip Codo) ~T
EDST
23 ~TTEMPTs~e~:~l ~~J' .~; Inl.e.t.]_MII.'I08:.I~IJ~.t.rMJI.' J:p.:I:T.~_r~I.'.L:.:~j~~:. J:~l~.P~ Ini:~
24 Advimco Cosls 25 Servlco Cosls [26 Nolary Cort 127 MIleage or Postago 128 Tolal Costs [29 coar our OR R!FUND
. 18.00 11.00 8.40 30.110 1').60 refun<J
30, REMARKS: ---- ---.-- ----~-- --- -- .--.----- -------.-
34, dayol____..l.cl>..r!E!:y_________. ___.
19 _97.
==-=~~~sg1.."f~Ff= ,)
32Sogn,llur.ol
()OIlShftntl Bt"rndrd L. (lol'l',>r
-------.--.. -..- ------. -- ,-----.--.- -..-..- - -"---
:I~l !'IW\,llwo ul Shflnll
JJ D.,.
..-_____.__ _.....1:_~_:2L__
J(1{),lle
31. AFFIRMED .nd subscnbad 10 balore mo this __J~Jb____.__
37.....__ ___ __ ______._______.__._
I"''''.''.'''yllo,;'""'''_."",.,,
SHERIFF OF-FRANKLIN' COUNTY--
MY COMMISSION EXPIRES
3e:JAcKNOWLEDClERECEIPT OF THE- SHERIFF'S RETURN SIGNATURE I
__ OF I\U..THORIZ~D ISSUlf'lG AUTHORITY AND TITLE...
_ --,- -------- ._-
J'J 1J"''II\IKIl'y!>,l
- '" - ..----
ICY). 1 't~16
1;": Jr:::: ....OUfT cr ~':;~illii;":,i jO:=_..; _, ,---,,"-'::":~i_'J_ \".._1....,/,
lJou'selhJld Ileal ty Corporation
'is.
=.U;~YI"~.;~::
-
James R. Painter
~c.
97-134 Civil Term
.~
--....., . ---
,. Feb. 10, 1997
.10W, .
:9__ !. S:~..::: OE' C~G:::?.!..)_'Q CO~-:-;':''?, ?..~ c:J
===-..~ c-::-..::::: :=.: SL3' oi
Franklin
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Februarv 13
~9
'97
7:10
o'':'!cc
P '-r.
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:.:.: wi..:..:.,
Complaint In Mto. Foreclosure
~;:ca
Andrew Flood (stepson 18 vrs.)
..
9242 Brandt St.. Greencastle. Pa. 17225
~, =:r:...: :.0
Andrew
.1
True & Attested
....-:-! ci == ::-:':-=-..1
Complaint
:.::c -~,.:..: :-0"W':1 ::J
Andrew
,-
.~.
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:'~:::::L.
So ~-W=.
- .J' - .. .
,:,w::: .::~ ::':-~..:e:: =-=:::-::
,"-- ci Frank I in
Deputy Sheriff Clopper
~STI
C.;)u.:::r, ?:.
=:~_=,,!cl
1$_
s:::>......"Ic::::
~C!2....G~
.-'.:"7i:D.... 'y..
18.00
8.40
4.00
s
--~--_.
1- "-..
s 30.40
~;lIl,I<lr:I"'; [,r:l'llhll . 1\':L,Ul.ld,
CA,d-: IILI: lclc"-1/l1/l1Yl f'
CUMHUNWI-:A'--TH iJf rl-:NNSYLVANIA:
CIJIJNTY I Ii: CUMllf:!,LAND
~
HIJIISI-:HUI.J'I fiEA'--!'Y CIIRI'UliAT lUll
VS.
PA INTI':I, JAMI-;S R ET AI.
Kin !-iT[ N D. MI-:RTZ
, Hhcr1ff or Deputy Sher,ff of
C:UMIIERI.ANI> County, r.?nnsylvania, who be1ng duly sworn according
to law, says, the w1th1n I:IIMI'I.A I N r .. MLH<T fUI'II-: was sel'ved
upon I'A INT!::H JUANNI-: II
defendant, at lfl1,,:1II111 IICJUn:o" on the ::::nrj day of January
t.he
t ycO ;:J t
till'; I':, MA IN ST.
P.II. L'UK b5
J'I.A OW [I-:I.D" PA lIiMH
CIl1Jnt.y, !'ennsylvanl;:J, by h;:Jn,ftng to JUANNI-: H. PAINTER
;:J true ;:Jnd attested copy of the> CUMPLA[NT" MlmT FIIRI-:
.' CIIMBERLAtW
-'
toge>ther W1th NOTte!::
and at t.he same t1me d1rect.1ng ~ attent10n to the contents thereof.
ShC'r1ff's Costs:
Dock..,t1ng
Service
Aft idav i t
Surcharge
lfJ.00
3."12
.00
2.00
So ap~~~
fL I homas Kl~ne, ::"her~f1
~,/'J. 12 MCCABE, WEISBeRG & CONWAY
1112/1'3/1997
by
.'{.,-:,/", I) lit;}
Uepu y. ",her111
,
:=.;....l.lrn \Jnd 6ubar:a"lhed to hC:'lore me
ty
.).~p.. d;:Jy of
t; 7 A. [I.
~~
!~Lw....,
11116
r:. )ft~ . O"C .
'Ffrothonotnryr--r7
Plaintiff which mortgage is recorded in the Office of the Recorder
of Cumberland County in Mortgage Book 1031, Page 592.
5. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A."
6. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due February 1996 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
7, _T~ following amounts are due on the mortgage:
GRAND TOTAL
$27,800,11
$ 3,524.62
$ 1,500.00
$ 225,00
$ 125,00
S 200.00
$33,374.73
Principal Balance
Interest 2/96 through 11/26/96
(Plus $10,03 per diem thereafter)
Attorney's Fee
Cost of Suit
Appraisal Fee
Title Search
8. The attorney's fees set forth above are in conformity
with the mortgage documents and Pennsylvania Law and will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the mortgage is reinstated prior to the Sale, reasonable
attorney's fees will be charged based on work actually performed.
9, Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P.S. ~403) and notice requested by the Emergency Mortgage
Assistance Act of 1983 have been sent to Defendants by certified
mail on the date set forth in the true and correct copies of such
notices attached hereto as Exhibit "B."
J
l
~
VERIFICATION
The undersigned, Shirelle Chew, hereby certifies that she is
the Manager of the Plaintiff in the within action, Household Realty
Corporation, and that she is authorized to make this verification
and that the foregoing facts are true and correct to the best of
her knowledge, information and belief and further states that false
l.
statements herein are made subject to the penalties of 18 PA.C,S.
<<. -
(~~ CL-
~4904 relating to unsworn falsification to authorities.
,2.
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;mCUlllcnIS. if all)') which lTlay illlJin jlriorily mer this MUllg;,ge ,mIl &lOlJlld rtnls 011 the Properly, if all)', plll~ ()lIC l"cHIIl
(I( )carly prtmium ill~lalll11clll~ (nr /la/,u\! jmlll;lnlr~ phl\ UII: I....clflh u( )eall)' jlr'clllilllll iml.lltlllellls (W 1ll1l1l&"l;C imulOJllle,
If ,lily, all as fe,l~nllJl,ly UlLlllJled llIill:IIJy aliI! frUtllllllle 10 IlIlle by It'IlJer olllhe hJSIS of IH\C',umellls ,ml bIlls "lid I\:J\OII.lhlc
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10 poly saiJ l,ues, J\sc~~llIellls, illSOfJIlCe I1rcmiulI1s ami Cltlutld ,cnls, 1.cIH.l::r lIlay 1101 charge for w liuldmg and appl) 1111::
llic hHlJ~, all,IIY/lllL: SJiJ aCClhllll Uf \Cflfyillg 0111.1 1I1111flillllt: S,lld a\'e~lIlc1l1s and liills, link\! I &:l1d~r I',l)'~ Ikl/ ro....er iIlII.'IL'~1
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lillII.' ur C1CL'IlIIlJII or Ihi~ Mllrli:,lge 111.11 illlcle~ll)lIlhc Flllld\ sh:llll-.c IMid Iu UtHlu....er, DIllI wilen slIdl ill.:'L'CIII~'1I1 i~ 11I,llk
ur .Ipplicahlc law rcquill;~ slIdl illlCIC,~llu hc )l.liJ, l.clllJer ~lIaIlIllJllx: ,cLjui,cJ lu pJY IkJtlu....c, illl) illlclC\1 ut Cillllilll:'
un lllc FllllJS, 1.cIlJcr shallGj~c tu lkHlIll~cr, wllhuul dlJrgc. JIl allnllal i1C((JUlllinK of the FllllJS ihol\'lI1g crcdll~ aud tle\lll~
10 IIlc FUlld:. aLld Ihe purpme fllr wllidl cadl dcbillu Ihe hlllJ~ was IllJde. 1 he FunJs all: ph:tll:cll as "Jdlliull;J1 ~eL'lltllr
rlJ( llic sums secured by lhis Murl~agc,
If Ihe i1I1lUUIII uf Ihe rUIl.1s helJ lIy l.clldcr, 101:C:llle, \\ith the fUlule 1II01llhly iU\I.:t/JUICIlI\ ur hllllls )l,I)'.Ihlc l'rlnt III
IIII.' dill' dJlc\ IIf IJlCS, il!l5e\~IlI"llh, imur,Il11:e 1111:llIiulll\ ;Ill..! ~IOllllll rClll~, shall C:\L'Cc:d Ihe 11l11UL1I1I1Clll1IH:d to Jl.l) ~,Iid IOIll.",
ilucnlllellls, il1\Ut,Ul(e jllemilllllS ami Cllllllld IClllsilS Illc)' f,dl dlle. sUfh eACe\~ shalllJc. allkJ/flmel'S ul'lillll, C:Ilhcr 11IOII'l'lIy
ICp,liJ lu llurlOwcr or C1cJllnJ hllkHluwe' UlIlllllnlhly U1~I,IJlIllCIlU uf FUIlJS, H lhe "Il\UUlll uf Ille hl1lll\ hell I hy IClIdc,
~l1allllol be surrickllltu flay l,u,e.~, ;U\CS~1I1ellh, imUIJlICe jI,e,"iullIS AlllJ groullJ n:nh as 11lc:)' rail JUl'. IkJffll\\cr ."alll~Y
lu ullder any 6l1ll01l111lleccssMY 10 llIak.c ulllhc: IJdicicllcy in onc or more p.l)'mC:llU as 1t'lltler IIIJ~' requi,e,
Upun paymclIl ill full or 0:/ SUlIlS SI:CllreJ by lhi~ MOfllpge, t..ellu~r shalllllU/lljllly ,efund 11IIJollll\\Cr ilny rllllJ~ held
hy l.culler, If ulllJe, /IiHau,allh 1711e,eof Ihc PwpClly i~ suld ur the Property is othl:mhe "c<juireJ 11)' 1L'lIder, IClIJc( ~11;ill
applr, nu l;ller Ihilll il1l1llCtli;llcly Jl(inr 1lIIIIe s,lIe uf tile I'rupcrty ur iu aClluisilioll by l.cwkr, all)' t:ullils held Ii)' lJ:lldl.'1
at Ihe lime uf apphraljun i11 a creJil a&Jiml tILe SUIllS secureJliy Ihis MOlIgJgc-
3, ^rplk,ulolI of "01)1111:111), EXcepl for IOJIlS llIade ,lU(:iUJI1I10 Ihe 1\:l1ns)'lvania ComulIler l)i~l:Ollrll Ctlmpany ACI,
all [lJ)'I11ClllS IcceivcJ liy Lenue, 11IIt.lcr Ihc Nole allJ JlarJ&tallhs I <lnd 2 hereuf shOll! be applied li)' l.cllJcr fial lu illlerc\l
al 11Ie applicJhk: colllracllilfc, .uill Ihell 10 the p,iuClp.ll,
-I. I'riur Mo,lhJl;fS alltl Dreds uf l~u~l; C1li1f~c~; I.i{,/I~. Burrowcr shall perform all or BOIro\\cr's ulJllh"liullS Illhk,
JII)' 1ll0rl&Jge.,tkcd or Irusl or OIlier sccurily <lgn:clllclll wilh a lieu which hJ\ priurily me, this MUrlGage., illcludillC Iklrru\\l:f\
CIHCU'JIlIS 10 lIIa~e P,IYlliclIls nllell Juc, norrowcr shallllJY or,('au~c to be paid all 1;lle.5, aS~CS\fllC:lll\ aud ulllcr char1:l'~,
rill~'S and illljlOsiliollS altrilJUlilblt: 10 Ille PlClpclly which IIlJ)' allaill a primllY mer lhi~ MUrl1:;I&C, ,w" IeJ\rhu:d Ila)'IIlCIlI\
ur 1:rlllllld rtnh, if JWY,
5, IlJ/OlUJ 11I\IlfJIlCt.. HOllOwer ~1l;1I1 ~eclllh~ ill1plU~CfllClIls IItlW eAi\liug ur Il(ll",rler (le~lnllJl1llie 1"IlJICfI)' ill)lIIcd
,11:;1111\1 JlI\\ by rilc. 11;JI.uil~ illl.-1lltlCtI Wilhul 1111: tellll "~'llelltlcd l'mClac~'," allll ~11I,;h IJlher h.l/.lllh .1\ J l,'lhlcl ilia)' 'CII"IIC,
Ille iIl\UlJlICt: c;lIrier pruvidlll& Illc Ill\Ur;IIlCe \h,llllM.: dhl\CIIby IIlllfll'o'CI slIhjCCllu Ollljllm',11 by IClhlcf; IIIlI\'itfcd, Ih,ll
\mll ,1[11'10\',11 ~h..lJ 11111 1M.: IllllC,I~1lI1"lllr willJhcl.l All iJl\IlI,lIlle 1'...licie~ ;1I11IICIlCW,lh IhclCUr shJlI he in a ""111 ;1~L'epl,11I11;
10 I.cmler allJ \h.lll illdlllJc a ~I,lllJ.lltlllllHlg;ll~c dlll\C III r,IVII( of alld ill J rurrn acceplJhlc In l.clulcl IClIde, :.hall hil\C
llic li1:1I1 lu hold the Ikll:ClC\ aml fCllewah Ille,,:uf, .!ollhjCll II) thc ICIIII\ or DlIY llIUflca&('. Jeed ur Irll~1 ur ullier !lCl'wil)'
.Ib'~'Cllll.'lll wilh :l lieu which h;lS Jlriurily mc, llii\ MortC,ICC
IlIlhe nelltur IIl.S, Uorrll\~.:r shall gi~c pnllllplllulice hllhe imlllalH':c carrier ;:tIllJ 1.cllller, l.cullcr 111.1)' 1ll.Ik.e IlI1Iuf HI
!1M Ir lllll llIJde Jlllll1lplly liy Borrowcr,
U Ihe J'ruperlY h ;lbJIIlJOllC.lll)' llot/OWl:r, or ir HtllIlIwer r;llh In feSlllll11lln l.cllJcr within )U 11;\)'s fWIll thc d.lte llulkc
h Ill.liled lly Icndcr III U"rwwe, IhJllhe ill~Il"llllC c,lIric, u((cn 10 ~lIle;t claim fur illSlIlJlllC oclldlh, J clIder i~ ,llIlhtl/I'Ctl
hI L'ullecl Jntl apply Ihe imufalllC prueccd\ all.clldcr'~ {llllion eilllcr 10 ,c.\IUlalioll ur 'CJ'Jir of Ill' I'roperlr ur lu Ihe SUlll\
')l'~U1l.'d hy Ihis Mw 1~;I~C,
6, P'e~['n;1lioll JI1J M;dlll<:nallcc IIf I'wprll)i 1.(';l~dllJIJ,\i COlltlUlllinium,Si 111anll('J Villi UCIt'IUJlllll'lIh, Borru\\cr ~IlJIl
lccp Ihc 1'lUpclly in gllud 'Cpilll iJlHI ~hallllul UlIl1ll,it \IIa\l,= ur pe'lI1il il1lpai'llIcnl ur I.klcriuralioll uf Ihe I'mpc'ly ;1111..1
~hJlllllIlll'ly wilh Ihc pruvbiulIs uf any kasc if Ihis Mmlg:lKe i, un OJ lCOU.cllOlJ,1f Ihis MUIISJI:C: i1 011 a 111111 ill a l'lIll1hllllil,illlll
Ilr J I,[JllIlcd unil JCH~lojl/l1CIlI, IklrnJ.....cr ~halll....,furlll all of Ikllfo....el's uhlIgaliullS IInder the lIed,llillioll or CII\Cll.ull~ cle,1Iill&
lH &ml.',"in& the cunuulllillilllll ur flla'lI1cJ IUlill1C\'cluplllelll, Ill(: li)',Jaws :llltl 'C&UI.1IiollS or lhe Cllllllull1illiUl1I 0( plilrllll.'d
IlIll\ dc\clOi'I1l\:lll, Jilt! COllSlilUCnltlUClllllClllS,
7, 1"llll'lliull ur 1.clldl'r\~n:lI(lly, If Ik1ltllw\:, r.lil\ to 1-=lrUlfll IhelU\ellJllls ,lIlJ aj;ICClllellh wl1IJilll'l! jlllhi~ Mlltll~.I~~',
ur If ,Ill)' aL'liull or pllll'cedlllg is fUIlHllel1l'cJ whidl t\1,IIC,i;1l1y ilf(I.'CI~ l..enJcr's lot:I\':.'o1 illlhc I'/I1PCII)', thell I L'llder, allcl1d,r')
Upll()ll, 11/Jo.Il11l111jce 10 JkJ(fm~cr, Illay lluke such aplIC,Hilllcn, di~!Jursc sllch SIII11S, illdutlilll: re.l~lJlI.lbk illltJrllC)'~' rce~, ,ll1d
la~e ~lllh aClioll a~ i~ J1ece~~ary 10 pllllecl l.J:nder's illlerest.
'Illlhe C.lleul nul l1/UhilJileJ by Olpl'lil'ahk 1,IW, allY 11111111111Is dishllt~d liy 1.cIlJer IlLmlJ.lllllo this Jl,lIal:IJph 7, ",Ilt
mleleS! IhclCCHI alllit; Jpplil'ahlc cunl,arl r;ll~'. ~1l.IIII"Ulllle ,Hldlliollal il1ddJIcJIlc.\.\ nf IkJl/IJ....er !t(l\lICIIIl)' lhi.. Mll/IJ:;lf:
lI11ln\ 110110\\1:( JlllllC:lldcr OIglCC 10 olhcr lcrlll\ ur ",lymelll, such ilf1llll1l1lS sh,,1I be 1l<I)aLle UPUlI Ilulll:e frOtH I.emler III
IIUIIIJ'.Icr rcqm'.\lilll: l'aYlllellllherelJf, Nlllhilll: 1.IllllaillClI in Ihi\ II<lfJctaph 7 shall relll1irc 1.cl1l1er lu illcur illl)' CAIICIlse III
IJ~C .lIly auillll hClcllllllcr,
H, IlI\lIl'\'liull, l.ellder 11l.lY lllJk.e III camc In I.... 1I1,1l1c IC,I\Il11,lblc enlli,~ 1l11l111 ,IIlJ impClIiulIs uf the 1')111-=11)', p,"vIJd
Il,J! 1.cI~Jc, ~IlJlI Kiv:: l~mo',\1:r no:ic: Fior :0 ;:,li' ~l:dl i....I>~clina :;j~.;ir)ir:b rca.Oli,lhl.: ~;IIl)C Iheldur i..:l,:I.:" lnl.clllkl')
illlell.'\1 ill Ihc P/operl)'.
9, CU/lIJl:lIlIlJliulI, "hc p/l.ll'cC4h ur ally ;\I'I'a,d HI claim lor tlanrJgc:s, JIICL'1 (J( cumc:quclllial, illl'UllllCClinrl wilh 011:)'
CIlIH1clllllJlilll1 or ulhcr 1;ll.il1C lIf IIIC 1'IlllICf I)', Ilr II.lrllherellf. II' fur l'Ull~e)',ll1CC illllCU or C1HlJelllllJliol1, alc herdl)' a..~i&IlL'J
a Ill! ~IIJIlIx pJill 10 l.cnder, .!ouhjecllu the ICllm or allY 1l1u'lg,II:C, deed of l,u~l or ulher SC:CUlily af,'CCII1C:lIl \~ilh a liell whi\.'I;
lias priorily mcr lhis Morll~il&~
10, lJorrut'rr NuIIMl'J\l'iJ; hH~l';.IrJlln' II)' 1.l:llIlu Nul a W.ahrr. blemioll of Ihe lime (Ill P,I)'IllCIII or t1l1klifi\.'aliulI
llf alllluli/~lljull ur Ihe ..llIlIS SCL'lIfl't! by lhi\ MlI'II:Jgc ,.;r.lllll'll hy IcUtler III allY SUcc(~ur in illterC.!oI ur IklllU\\Cl itlllJ illJ
lIlher PJtlic~ whl) arc Ilt IIcfe,lhcr hewllle ~el;'l)lldJ,ily liable :.11,1111101 operale Iu fckasc. ill OIllY 1Il,lImer, aILe Iiabilily uf Ihc
uriKillJI BOfrower DnJ Borro....er.s SllcceS'o(ln iu illlW:SI, lemler shall 1101 be fClIUirctllO commcnce p'occcdill~~ acainsl such
SUCCC\wr or (tfusc 10 Ulel1t!lill1~ for IM)'I11CI1I or ulheflvi\e Ill'll.lify :llllortil.i1lion of Ihe SUlllS SC:l,;lJrtd h)' Ihis t.lurlcagc by
ICJ\1l11 uf allY JC/ll;lI1d made lIy Ille ilIil:lll,iIlJolfll....e' allt! IkHH/\l,cr's SIH;\.'U\Urs in iUlerc.s1. AllY rOrlx,lIallU: \ly lJ:nJe, ill
eAc!cl\illg allY righlur remedy Ii ~ICtllld(,f, or Olhclwi'.e aUuukd hy :ippliC.1tJlc law, ShJlIllul be a ";li\('( or lIf predude Ih~
e.letu..c ur any such richl tlr ICllil'J)'
II, ~Uln'~\iln ;l1It1 "\.\I~:I1\ 1~lluIllI; JUilllll/ltJ Sl'Il'I.tII.lOllJilil~; CO~J~Il{,f~ Tile lU~Cllallls alld O1EI\:Clll":1l1.s It'n:ill UlIllilined
\h,ItJ Imlll, allllll1e ,i,:lir\ Ilt:lI:lIl1dn sll,11I illllr~' 10, Ihl' IC'llCdl~C ~U~'\.C:\\lH~ allll JUlt:m of l.clldcl alld IIllrllmer. ~uhjt'll
1111111.' I'nlwi\jwli ur P,Il,II:rilph 1(1 !i"ICilr AlIl'llh'll,llll\ illl.1 ;I1:1('l'IIIt:llr\ of l1olrll\\cr shallllC jlliul "Iltl 'e\cI,11 1\11)' 11'"111\\\'1
'~Ilu ,II \11,:11\ 11m ~lUIIr-lj:\:, 11111 d.~', fI,11 n'l III, rill' NIII,',I,ll h I II ';l;l1illl: 1111\ ro.hJlll;,lp: 11111)' In IlIlltr~an', P;1I11 ,1111111111\1')
~
r
,
~
,
'.\
111 1111"II''''f1'~ illlctnl ill Ihe 1""I"II)' Illlrll,lr1 IllIdrr tile Irl/l1\ or lhi. '~hUIP~r.lhl j, 11l11llCl'lIllnlly 1."loIe nlllhe nule
III tllldrj .lii, f\!l1111.1ltr.. ,'IHllel nBICtllhal1 tillie, RIIlI ony (It her l~lI"lI\cl hCrtlllldcl 11l,'V Illlce In UI(11I1, IIItlo,llly. (nll)(',,,,
.11 1I1.1~C ;1111' IIlliel n..:CIIlllllllll,!:\tilll1\ with It',111Ilo the ICIIl1\ IIf lhi. MllIIS'ac: (If till' Nute: willLOllllhnl U4lI1lI\\CI' Cllll'ClIl
.11101 \\illlllllllclc;1\illllh:t' IIUflIIWC1 or IIlI11liryitlg lhi\ MOIlt,'lc '" 11IIh,ltIH1IIIlWC", itllC:lC:\1 inlhc "flll,</l)'
Il. NullcC'. bCCjll ror nllY lllllke It1lulrcIIIllldcr Rl'l'lknhlc I;lW III Ill: li~C:l1 in,'l'llllhcr IlliUllItt.I;,1 nllY llUliec III 1\01f1l\\(1
l'lIl,i,le,1 flllllllhil "'willIe .hnll he: Ilvell hy Jclivc,lllA 11m lIy IIlJulillJ '"eh Iltllkc: II)' ICI;IIc:ttIJ u, rClliliclllIl.'ll ntltllc:~\tll
III nlllflll\Cr ,,1 IIlc 1'1111.....11)' ^11,licn or nl 511Ch ullicl nlld/t"\\ n\ I1mm....u Ill"Y Ilr\illl"le h)' lItlliue In 1.tllllel,:'I\ pltl'flllrll
h\'lrill. ~lId Ih) :'Illr Iltlli(l" 1llll'lI.!ct \hall Lc ai\'(11 b)' n'gi\len:d Ilf e(lIi(iclllll~illlllL'1l1Ief" :1l1ll1t\\ ~r;1lrll hC/ClIl Uf III \Hell
lllltrl lI,hlll'" n\ 1(luler Ill,l)' Jr,igll.lle IIy 1l11lile luIHl/llIIICI:I' pn,...itkd IIW:ill ^"Y ..otice 11l11lillrd (Ill Ull\il\ t.lllll~,',(,
~ll.lllloc dl'C'I1lC'1! 1I111.1\c hcelt gi\'Clllu Ikllm.....cr nr Irudcl \\llell gi\'ct\ illlhe 111.11111('1 tlC5igr1;\lcJ \lCl'cill.
It (;tII('flllll~ 1.11\; Srleuhllil)',lhe s!;tle ..nd Illfnll;ms uf Ihc jllli\didioll ill which Ihe l'rnr<f1y i\ 10G1\ell Sh.ll1llpply
r\l qol II III:IC \11(11 bl"'\ (ullflid with retlc",II;\\\', ill whidl (,,,C, l'l'I1cI,lll.1IV ,1pplic\ IlIlhe n'Clll !l1.11 all)' pIH\'i\iIlH III c1.11l\C
III 1111\ tlloIlg.18C lit Ihc Nolc CIlII(Jicls wilh npl'lieaLle 1,1\"', 511CII umrlll.:1 5h,,1IILCll rlHeel (lthcI I'IU'fi,iOIl\ or Ih~\ MnrIPf.C
III 1111: tJ'llc wlLkh C:l1l 1)( gh'rtl c((ecl wilhlllll Ihe c(Jllfliclill~ \I11l'fi'.illll, 111111 hlllLi, cnd Ihe PlllVi\illl1\ nf 1111\ MlIIt'Ne
:1lltlllll: Nnlc :\tc dcd,llctllfl he ~C:'fcrahlc. ^~ Il\tll hrn:ill, '.LIl\I',:' "Cll1'':l1\n.' o1ml"nlhllllcy\' kc\" jm:lu,tc all \11111\ IlIlhc
nlwl JllIl 1"llhil,iICII hy npplicahle lollY or lill1ilcd hCICill
I,t. lIuIfH\ln'.~ ('lillY, lIilr/llwer slt;\lI he hlllli,l1ed :Ilnllrlll:lletl cupy of Iht Nllle allJ ur 1111' MIl/Ig.li',e, if u:qllc,lcll.
:11 Illl: lillll: tI( Cl('Clllitlll or rifler rcCIJIlI"llon hCfcl1f.
I~. lI..h:tI,llil"lIun III:t1l ^~rrrlllclll,IlOlmwer 511:111 fulfill:lll o( Iloll\lI\Ct'~ nhlig"liom untlcr :lIlY I1UlllC rch"hilil;'tlinn,
IIHI'I"lflllrlll, Irp,lil,1II lllhcllo;\lI "EtCelllelll whil1llHlflU\\'CI rllkl' illlll \\illlltl1tlct, I tllller, :111 tlllle,'\ IIl'liltll, Ill;\Y IClIllill:
11,11111111;' hI rlnlllc :llullkli\CI 101l."/1IIcr, ill:l (11111I :ltt"CI'I:1llk In Itlhkl,:l1I l1"i~lIl1ltlllll( :lilY lil:I1I\,llailll\ 11/ IIcfcn'l'\
\\ltillL I"ullmcr 111;\)' 1I,\\'e nlt;\imll1:1tli" who ."lpply 1,llIlIr, lll,'lcli:ll\ lit 'rn'irc\ in WllllCCllllll willi 1I1II'IlIYCIlIClll\ lIl:lllr.
III Iht' 1'lppC,ly
If" 1I111l\rrr 1I111,C' 1"lIllrll)'. Ie UOllllWCf ,c1h tIT II II ll\rc" nil III nny 1'.111 IIr Ihe l'lIIpCIl)' IIt;m llllc/C\I/r.~lrill, illdllllillft
:1 ~.llc II) l.lWI WIIII:lCI, hili Udlldillg {.:at Ihe clc:lliulln( a lit'1l HI (f1ClHlllu:llICe lllWrlliu:lle In l!Ii, MUIIG~IAr.lhll\ 11:111\fc(
h) ,Ic\i,('. dc~rclll, fl( hy npcr.\liuu III l;'tw 1I1l11lllhe llcalll Il(:l jlliullel1:l11I, lc)lhe Ilnul or allY 1t:l,ehnM '"ICIC\II1~ II11CC
\",11' 1" In\ 11011l1lll:l1uil1R :lllllplionlu I'\I".-h:l\(,~ l.llll.c Clt':llillllll(" Jllm:h:1~ 111I1l1t)' ~llIil)' illltrc'l (uI lUIlIl,cIlIlt.1 :lPI'II:1l1l"e',
kl., 11:1I1\kl III n /cI;lliyc IC~llllillg (nlllllhe l!calll o( n IIllfIlIW(I, m 4 If;lll\;cr when: Ihe ~jloll\e or chihllt'll o( lile lI11fntWer
hnlllllC ;III OWller u( Ihc IImperly, {gl n Ir:tm(cr re'llllilll hutl1 :llkclee o( i1i\\ullllil1l1 (If lII;uri:lgr.lcg:'l1 S(ll,1I;1lioll ,,~rrclllelll,
0' 1111111:111 illddClll:11 pfIlPCII)' \clllcllleul IlgfCCll1CllI. hy wltidllllc ~pllll~e IIr Ihc IInr/llwcr IJ((UlllC' ilIl ClWI1CIllr Ihc I'l1lpellr,
Ihl a 1l:1ll\fCf illlu rill illler ...i",m Irllsllll whh.:h Illc U.OtlUWef is illltl ftHlaim it hClldici",y rllIr..I which r..ItlC' lint 1I:1:llc hi i1
llamrc, o( righls IIf nCl\tp:lllCY ill Ihe jlflJpelly, m Ii) I\llY ollt(( Irrlll'(c, CH tli'Ilfl\iliOlI cle.~crihctl in rcglll,1tillll\ I'Ie\crihell
IIY Ihc 1(llc1:111101lle lll;\lIl1r1IIA lIu:..\I,lkHnlwer sh;\1I came hi he ~llhl1l11lcll illflifl1l:1\iull requirtll hy Illlllellu C'\'rlI1I.1te
IIlr II~ll1\klee n\ if n llCW In:lll welc hclulllInlle In Ihe II:lI1\(cI('('. l1wIU\\ct willl.ulllilllle It) he nhligaled llllllel Ihc Nllle
alld Ihi, MmIK:lr,C Illlk,,, Itllllet Icle"~s Burnll...er ill \\'Iililll: .
If lellder lklCS IIIlI nalte Iu slIch ule: (If Irnm(er, 1~IhICf Ill:lY II(d",( nil o( tlte ~lllllS .\cell/cll h)' lhi, MUflr:1&C lu he
illllllcdinlety II lie: nllll fl,1)'nhle H Itlldcr elCtd~e' \lIeh llplillll III ;ICI,.c1Cf;1lc.l ~1I11ct \!I:lIIII1;111 nnrlllwcr IlOlirc ur :leretCf:llinll
ill :1{lllltbllfC wilh 11:1I:1j',I;1ph 12 !lcu:I1(, SIll.:h lllllke 511r111 (lllIYide rI pCliLkl ur lltlllc.\~ Ih:1l1 30 tby\ hll111II1C 11;1lc Iltc 111llil:C
I' 1H.,ikIIIH lkli~Ctcd wilhlll whir:h IJlltlllWCr 111:1)' p.,)' Ihe "lll'~ 11crI:\frlllllll'- I( IhullIwcr (:Iii, hi p:1r ~lIrll \lltll\ plilll hi
Ihe [ll'il,11iwIIII \lldllll:titkl,ltllllcr 1Il:l)', willllllll htrlllt'1 lIutile lit llelll:\lhl Otlltllff\ll\Cl, ill\lIlc :lilY ICIlICdic' I'clIllilll'd
Io~ 1'.";'I~I,'ph 1"1 Ilclwf.
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NOTICE OF INTENTION TO FORECLOSE MORTGAGE
customer(s): James A. Painter
and Joanne H. Painter: 105 E. Main
St., Plainfield, PA 17081; P.O.
Box 65, Plainfield, PA 17081
Account Number: 713303-06-867669
Creditor: HOUSEHOLD REALTY
CORPORATION
Phone: (800)846-7510 Ext 7946
Address: 961 Weigel Dr.,P.O.
Box 8632,Elmhurst,IL 60126
Date of Notice: october 17, 1996
The MORTGAGE held by Household Realty Corporation, d/b/a Household
Finance Consumer Discount Company (hereinafter called we, us or ours) on your
property located at 105 E. Main Street, Plainfield, Pennsylvania, IS IN
SERIOUS DEFAULT because you have not made the monthly payment of $232.00 for
the month of February and $355.00 each for the months of March, April, May,
June, July, August and September of 1996 incl~sive. Late charges (and other
charges) have also accrued to this date in the amount of $298.94. The total
amount now required to cure this default, or in other words, get caught up in
your payments, as of the date of this letter is $3,015.94.
You may cure this default within THIRTY (30) days of the date of this
letter, by paying to us the above amount PLUS any additional monthly payments
and late charges ~hich may fall due during this period. Such payment must be
made either by cash, cashier's check, certified check or money order, and
made at 961 Weigel Drive, P.O. Box 8632, Elmhurst, II, 60126. Payment may be
made by mail, but must be received in our office by the time specified by
this notice.
If you do not cure the default within THIRTY ( 30) DAYS. we intend to
exercise our riqht to accelerate the mortqaqe payments. This means that
whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original mortgage in
monthly installments. If full payment of the amount of default is not made
within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a
lawsuit to foreclose your mortqaqed property. If the mortqaqe is forecloseq
your mortqaqed property will be sold bv the Sheriff to pay off the mortqaqQ
debt. If we refer your case to our attorneys, but you cure the default
before they begin legal proceedings against you, you will still have to pay
the reasonable attorney's fees, actually incurred, up to $50.00. However, if
legal proceedings are started against you, you will have to pay the
reasonable attorney's fees even if they are over $50.00. Any attorney's fees
will be added to whatever you owe us, which may also include our reasonable
costs. If you cure the default within the thirty day period, YOU will not be
required to pay attorney's fees. We may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage. If you
have not cured the default within the thirty day period and foreclosure
proceedings have begun, you still have the riqht to cure the default anQ
prevent the sale at any time up to one hour
before the Sheriff's foreclosure sale. You may do so bv pavinq the total
amount of the unpaid monthly payments plus any late or other charqes then
due. as well as the reasonable attorney's fees and costs connected with the
foreclosure sale (and perform any other requirements under the mortqaqe).
It is estimated that the earliest date that such a Sheriff's Sale could be
held would be approximately six (6) months from today. A notice of the
date of the Sheriff's Sale will be sent to you before the sale Of
course, the amount needed to cure the default will increase the longer you
wait. You may find out at any time exactly what the required payment will
be by calling us at the following number: (800) 846-7510 Ext 7946. This
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payment must be in cash, cashier's check, certified check or money order and
made payable to us at the address stated abovo.
You should realize that a Sheriff's Sale will end your ownership of the
mortgaged property and your right to remain in it. If you continue to live
in the property after the Sheriff's Sale, a lawsuit could be started to evict
you.
You have additional rights to help protect your interest in the
property. YOU HAVE THE RIGHT TO SELL TilE PROPERTY TO OBTAIN MONEY TO PAY OFF
THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY
OFF THIS DEBT. YOU MAY HAVE THE RIGIIT TO SELL OR TRANSFER THE PROPERTY
SUBJECT TO TilE MORTGAGE TO A BUYER OR TRANSFEREE WIIO WILL ASSUME THE MORTGAGE
DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES, AND ATTORNEY'S
FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER
REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER
WHAT CIRCUMSTANCES THIS RIGHT MIGIIT EXIST. YOU IIAVE THE RIGHT TO HAVE THIS
DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
If vou cure the default, the mortqaqe will be restored to the same
position as if no default had occurred. However, you are not entitled to
this right to cure your default more than three times in any calendar year.
"f"l, _
Very truly
urs,
BY:
ton Greene, Esq.
Street
PA 1961ll
D REALTY CORPORATION
FOR:
si Ud. no comprende el contenido de este aviso tanga la bondad de hacer
traducirlo ya que contiene informacion de suma importancia con respecto a su
propiedad.
NOTE: Unless you notify this office within thirty (31ll days after receiving
this notice that you dispute the validity of this debt or any portion
thereof, this office will assume that the debt is valid. If you notify this
office in writing within thirty (31l1 days from receiving this notice, this
office will: obtain verification of the debt or obtain a copy of judgment and
mail you a copy of such judgment or verification. You are also advised that
any information which you supply to this office may be used by us in the
collection of the debt. If you request this office in writing within thirty
(31l1 days after receiving, this office will provide you with the name and
address of the original creditor.
2
TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE
The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage
Assistance Program may be able to help you. Read the following notice to
find out how the program works.
La notificacion en adjunto es de suma importancia, pues afecta sue
derecho a continuar viviendo en su casa. si no comprende el contenido de
esta notificacion obtenga una traduccion immediatemente llamanda esta agencia
(Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba.
Puedes ser elegible para un prestamo por el programa llamando "Homeowner's
Emergency Mortgage Assistance Program" el cual puede salvar su cas a de la
perdida del derecho a redimir su hipoteca.
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Customer(s): James A. Painter
and Joanne H. Pai~ter: 105 E. Main
St., Plainfield, PA 17081; P.O.
Box 65, Plainfield, FA 17081
Account Number: 713303-06-867669
Creditor: HOUSEHOLD REALTY
CORPORATION
Phone: (800)846-7510 Ext 7946
Address: 961 Weigel Dr.,P.O.
Box 8632,Elmhurst,IL 60126
Date of Notice: October 17, 1996
Your mortqaqe is in serious default because you have failed to pay
promptly installments of principal and interest, as required, for a period of
at least sixty (60) days. The total amount of the delinquency is $3,015.94.
That sum includes the following: $232.00 for the month of February and
$355.00 each for the months of March, April, May, June, July, August and
September of 1996 inclusive. Late charges (and other charges) have also
accrued to this date in the amount of $298.94.
You mav be e1iqible for financial assistance that will prevent
foreclosure on your mortgage if you comply with the provJ.sJ.ons of the
Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may
be eligible for emergency temporary assistance if your default has been
caused by circumstances beyond your control, and if you meet the eligibility
requirements of the Act as determined by the Pennsylvania Housing Finance
Agency. Please read all of this Notice. It contains an explanation of vour
riqhts.
Under the Act, you are entitled to a temporary stay of foreclosure on
your mortgage for thirty (J0) days from the date of this Notice. During that
time you have the right to arrange a
"face-to-face" meeting with a representative of this lender, or
with a designated consumer credit counseling agency. The purpose of that
meeting is to attempt to work out a repayment plan, or to otherwise settle
your delinquency. That meetinq must occur in the next thirtv (301 davs.
If you attend a face-to-face meeting with this lender, or with a
consumer credit counseling agency identified in this notice, no further
proceeding in mortgage foreclosure may take place for thirty (30) days after
the date of that mep.ting.
The name, address and telephone number of our representative is: Mark
Swiatek, Household Realty Corporation, 961 Weigel Dr., P.O. Box 8632,
Elmhurst, II. 60126, 1-800-846-7510 Ext 7946.
The names and addresses of designated consumer credit counseling agenies
are attached. It is only necessary to schedule one face-to-face meeting. You
should advise this lender immediately of your intentions.
If you have tried and are unable to resolve this problem at or after
your face-to-face meeting, you have the right to apply for financial
assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order
to do this, you must fill out, sign, and file a completed Homeowners'
Emergency Assistance Application with the Pennsylvania Housing Finance
Agency. The consumer credit counseling agency will assist you in filling out
your application. It must be filed or postmarked within thirty t301 days of
your face-to-face meetinq.
It is extremely important that yoU file Your application promptly. If
YOU do not do so, or if yoU do not follow the other time periods set forth in
this letter. foreclosure may proceed aqainst your home immediately.
Available funds for emergency mortgage assistance are very limited.
They will be disbursed by the Agency under the eligibility criteria
established by the Act.
It is ext~emely important that your application is accurate and complete
in every respect. The counseling agency will help you to fill out the
application. The Pennsylvania Housing Finance Agency has sixty (60) days to
make a decision after it receives your application. During that additional
time, no foreclosure proceedings will be pursued against you if you haye met
the time requirements set forth above. You will be notified directly by that
Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101 North Front
street, P.O. Box 8029, Harrisburg, PA 17105. Telephone No. (717)780-3800 or
1-800-342-2397 (toll free number).
You must either mail your application to the Pennsylvania Housing
Finance Agency, or you must file it at the office of one of the designated
consumer credit counseling agencies listed above.
An application for assistance may be obtained from this lender, from a
consumer credit counseling agency, or directly from the Pennsylvania Housing
Finance Agency.
Enclosed also is another notice from this lender under Act 6 of 1974. That
notice is called a "Notice of Intention to Foreclose Mortgage". You must read
both notices, since they both explain rights that you now have under
Pennsylvania law. However, if you choose to exercise your rights described in
this notice, we cannot foreclose upon you during that time.Also, if you
receive financial assistance from the Pennsylvania Housing Finance Agency,
your home cannot be foreclosed upon while you arc receiving that assistance.
By: James Ashton Greene, Esq.
539 Court Street
Reading, Pa. 19601
FOR:
ALTY CORPORATION
James
Esquire
!
I
,
CUMBERLAND COUNTY
t
CONSUMER CREDIT COUNSELING SERVICE OF WESTERN PA, INC.
2009 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
r
\
FINANCIAL SERVICES UNLIMITED
117 West 3rd Street
Waynesboro, PA 17268
(717) 762-3285
Natalie Newcomer
URBAN LEAGUE OF METROPOLITAN HARRISBURG
25 N. Front Street
Harrisburg, PA 17191
(717) 234-5925
FAX # (717) 232-4985
YWCA OF CARLISLE
3U G St~eet
Carlisle, .'PA 17013
(717) 243-3818
FAX # (717) 243-3948
NOTE: Unless you notify this office within thirty (30) days
after receiving this notice that you dispute the validity of this
debt or any portion thereof, this office will assume that the
debt is valid. If you notify this office in writing within
thirty (30) days from receiving this notice, this office will:
obtain verification of the debt or obtain a copy of judgment and
mail you a copy of such judgment or verification. You are also
advised that any information which you supply to this office may
be used by us in the collection of the debt. If you request this
office in writing within thirty (30) days after receiving, this
office will provide you with the name and address of the original
creditor.
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McCABE, WEISBERG & CONWAY, P.C.
BYI TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
1608 Walnut Street, Suite 402
Philadelphia, Pennsylvania 19103
(215) 790-1010
,
(
.
Attorney for Plaintiff
Household Realty Corporation
961 Weigel Drive, P.O. Box 8762
Elmhurst, IL 60126
Cumberland County
Court of Common Pleas
v.
James R. Painter
105 E. Main Street, P.O. Box 65
Plainfield, Pa 17081
and
Joanne H, Painter
105 E. Main Street, P.O. Box 65
Plainfield, Pa 17081
, 7 ' '/ ~ TP<---
Number (, - / ,
CIVIL ACTION/MORTGAGE FORECLOSURE
1. Plaintiff is Household Realty Corporation, a corporation
duly organized under the laws of Delaware and doing business at the
above captioned address,
2. The Defendant is James R. Painter, who is one of the
mortgagors and real owners of the mortgaged property hereinafter
described, and his last-known address is 105 E. Main Street, P.O.
Box 65, Plainfield, Pa 17081.
3. The Defendant is Joanne H, Painter, who is one of the
mortgagors and real owners of the mortgaged property hereinafter
described, and her last-known address is 105 E. Main Street, P.O.
Box 65, Plainfield, Pa 17081.
4. On October 10, 1991, mortgagors made, executed and
delivered a mortgage upon the premises hereinafter described to
jMOUT(,AGE I'
.11/1' nox IS CIIECKW, TillS IS AN Ol'I:N.ENll MOR1T;AGI: AND SECUIlI~~ fUTURE AllVAN<:f~~
'I illS MORmAGE" m.de IlIi. -1.lLtll_ day or_ Oct(l1>ol' , 19 JI.L ,
11l,:lwCl.:11 Ihe MurIIBIOf. --.J.uma..o-1{_L--l~LllIlt...Q.l:....-llll1L.J..u.ullJ.ULJ.1.J I'nl ntn r
. . -- - lhercln "Uormwcc"l. and Ihe MOrlA'aCe,
Ilfl\JaQllullL.Hault~..Lor.lJOL'Llt.1QJL_____ __'_ II I.:OFpofaliulIllIsani/cd uIlll
nhlillllllt1d~r 1111': Ii&w~ ul _Uc lnWUl'a_____ I wllme ndlhl.:'s\
1\". .,!!I .PJ_LtalL.l:.ll...clilllA., l\:nllSyh'ania, th.:rcin "1.cI1IJcc"l.
'lilt' flllhmllllC plr'lrlJ1h prrcftlcd by I chtckctl bo. Is IppllCllile:
IIWIlt:lWAS, Uormwcr is il1l.ltblcc.llo "cnder in the principal sum of S III ^ .
---. Uoll~rs, which
imlchlct!ncss Is cvidcncCt.l by Dorrower's l.o.m RCj\:lyrnenl Dnd Securily ^sltc.:rncnt or SccondJry MOrlpgc l0311 ^&rtClIlcnl
.1;lIt" __ _..J.J / ^ Dud allY cllIcn,iolls and rtncwills thereof, (herein "Note', pmvkJlns for monlhly inslalllllenb
lit IIrillcillal nnd inlernl, includil1ll any adjuSIl11enlS 10 Ihe alllotllll or paymenl or Ihe conl,..cl rote it II)ill r;lIe is variable.
OIlululhcr ch:HScs, wilh Ihe balalU:c or indebtedneu, it nol soulIcr paitl, due ami fXlyahle all IlL^ _
I:I\VlIEllEAS,llorrnwcr i~ indebted 10 l.emler illlhe Iltillcillal slim ot S 211.10(\.OO ,or $0 1lI11l:h
Ihen:uf ns may be advanced pursuant 10 Uarrower's Revolvinl Inal1 ^grttlllenl daletJ 10/10/91 and
nny eXlemiuns and renewals thereat (herein "Note;, providing for a crttJit limit or S 2U. 100.00 ,an
inilial advance of S -2.ll.......JOO. 00 and lllollthly imlallmertls or principal and hUtreSI at Ihe ralc spccitiefJ
illlhc Nnle (herein '\-olllrnct rulc" (including allY adjuslllIenl5 In Ihe amount of p.1yment or the conlracl rale it Ihal mle
i\ ';11 iil!llcl i\l1l1 tlllier charge., P-1yahlc al i.ender's addre~~ Maled o1hnvc;
.10 SI:ClIIW 10 lendcr the repayment of Ihe jlldc111edlle~, illcJudillg any future .h.h';U1CCS, evidenccd hy Ihe NOle.
wilh il1lcre~t thereull al the appli~blt: conlract rote !including ally adjustments to the amounl of payment Of Ihe controlcl
rale if that rule is variahlel ;lIId olher charges; the flJymelll or all olher SIlItlS, with inlerest Ihereon, advanced in accordallce
Ilt:lcwilh In IImleet the 1.Ccurily or tlli'li Mortgage; amI the pcrfmll1ancc of lhe covenants and OlgrcelllelllS of lIorrower herr.ill
(tllllail1cd, floHuwcr dlXS hereby morlgilgc., gralll :tlld collvey In Lender the following described pruperly located in Ihe
(-lllllur IIf _--CuJ:luoclnntl ,
('tllllllllll1WCallh IIf ltnllSylvania:
ItM'fw'" "'i'i\o'V\('iHHHHHHHHHHHl:fH~HH Em I EP' LEGfiL DEseR I PTI ON ~HHHHHH.IHHkHHH_"HH"Hll""~M
nLL 'IlInT cmrnlll PROPERTY SITunTEO III TilE TOWIISlllr 01' WEST PEIlIISOORO III
TilE COUIITY 01' CUNDEnLnrm nrm STnTE 01' PI:tlll~YLVnrlln ntH) OEItIO DESCRIOr::o ns
I'OI.Lll'~;;1 LOT .4 OF rov II, rnSE 46 OEItIS 110m: FULLY IlESCRIDED III n DEED
IlnTEIJ .0"//31 /07 nl10 RECORDED 09/01/07, nNDrIG TilE LnllD RECOROS 01' TilE
COUlIl''! nlll1 STnTE SET I'ORTII nOOVE, IN DEED VOLUtlE 32H nllo I'nSl: <:5'1, TnH
IInp IlI1 l'nRCEL 10 110, 46-10-1392020 nOORES:; I PO llQ}{ 65.
,
H~~~v"WWW~~\(~"~~HHHHH'iHIIHHHHHHHH"HHHHH"~~"'~~"'H~~H"~"'''"'~HH............~J~..~w~~~~...~......w...
tJnitlHllI l'oIn.:elldentiricr ,
"f{XjElIIER with olllhe lmp~mCnl$ flOW or hercafler erecled on Ihe properly. and aU easements, rights, appmlenalla.1
alltl re,llh all uf whicl! shal~ be deemed 10 be amJ rem:tinl part IIr Ihe prorcrly covered by this Morllage: anJ all of Ihe
rUn:glllllg, logclhcr WHit s:llt.I properly lor Ihe leasehold eslate illllis Morllnlc is on .Ieaseholdl arc hereinafler referl'td
In a, Ihe "Property_"
Ilorrow'Cf covenants IhallJormwer is Iilwfulfy sci~d or Ihe e!olalc hen:hy COI\\'C)'ttJ and has thc righlln lI1otlgagr.. lralll
;1I1t1 wllvcy Ihe I'mperly, IInd Ihat Ihe Properly j. 1I11ellCtllllllClctl_ excepl for cnclllllhr:1ncc\ or record, Hotlo"er Ct1\'ellilnls
I/ml lJnrmwtr warr.JIlls and will dcfcml geller;ll1y Ihe lille 10 Ihe rlllllell)' ;l~aill\1 nil claims am! dC:l11;lIuls, subjecl 10
l'llml1lhr:1IICes of record_
EXH i Bll ".A n
lUlU 111'I.lf,')11
,I,
lJNII.(HtM ('(IVI:Ni\NI:) 1~1I'Il\H:' ,mil Il'llder Ui'CllJIII alld agree .IS fulhl\\\:
I. J'",ulL'1l1 01 .',hllll',I.lId Inh'lnl. IkllluYlcr shall pmlll'JII)' lloil)' when uue Ihe primlpal311d iutl'll'\l IllddqnIHC~~
.lIltJ uther dIJllc~. illduJUlK all)' \.lIIJlll.lIU 1~IJJlnl& (Ium dIJIIKC$ inlhc UJlllracl r..lt.1.1 c\'idcm...'tI tJ)' ami plU\'ldc.1III lhc Nnl~'
2. funds lur nUl and Illsuunn~. SUbJCllltl applll.:.wle law or a wilIi\u by l.lllder, Uor,u~e( .hall P"}' III l.clldel UII
the Jay Uhllllhly 11J~'IllClll' ul fllHllljl,JI anti jjllCrc~1 ale (lJ),ihle ullJer lhe Note, unlillhe Nole is 11011\1 in lull, J \lllll(lIl;IClll
"hl/Il,"'''' eqUJllu olle Iwcl(lh Ilr 11lL' )cally l.u.e, 31111 3\\(\,I1I(lIls lincluJin& conJo/llinium and pliUlIlcJ Will d~..c1upl,ICIII
.H\CUIllCnls, if tlllyl whkh ilia)' JllaillllliUlily mcr Ihis MUllgage and ground u:nll 011 Ihe I'IUjlCtl)', if .lIl)', 11111\ uue hH'lrlh
Ilf )e..rly prcmium imlalllllCl1U for 1L.1/.artl imlllal1((. plu\ lJlI'~ 1\I,'tI(11I uf )c<I,ly premiu/lI illualJlllcrllS for 1IlUllg,ll..l: Ill\lll,lllll.",
II ,Illy, <111.1$ Ic,l~Ir\Jbly C\lllllJled illJllally alld f/UrIIlulIe to 1IIIIe hy ulHJer un lhe baus of a\~UlllCl\IS ,1lI.J hlll~ Jlld n:a\lJlI,lhk
ullll1alCllheleuf, Borru....er Ihallllul hc tll.lllg.llcJ ltlllla~e \w.:h fl.1Yll1ellU I)f FundI lu ul1der llllhe I,'Alellllll.l1 IkJr/U,,"e,
ilia leI Ilu:h jlJ)'lI1CI1U lu Ihe holder uf U (lrlor n~orlga&e llf deed of !rull if such hulder il 011 imlillllulllal tender
U Bm'lI\locr j1J~) FWlth lu l.emler, Ihe Flllllh Ihall hc held ill 111I irulilllliulIlhe dcposiU or at:ltllllll.\ uf Wllldl ,lie llhlllt:d
IIr SLlollilHtccd by 11 h:Jclill ur 110111: llB,l'llq lilldudlllg l.elltkr I( l.enJer il SIKh all imllluliun}, l.ellde. Ihall iljlpl)' Ihe FUlhh
It) pay s.aillllllU, a!l.\eUlIIellU, imm:uu:e Illel1li\ll11i IInd &lUlllld .enll. l.ender Illny Ilol charae fur m !lll/thl1g ami appl)lIlK
Itll: Ftllllh, allalytill& saiJ llCl'lhllll or \clifyillg ,/lid lUllIpihnC s3ill auc~lIlclllSIIUll llills, unlc\slJ:llIJer 1',1)1 UUllll\loClllltCIC~1
lllllhe FUlllh .IIIJ apllhcallle IIW l>>CfIlllU It'lldcr Iu 1113"e SLJt:1I a ch3rge. UUlru....-er anI! l.ellder lIIay o3;II:C ill \qllllll: ,II Ihe
IlIllC u( elccutlun of Ihis MlIrll:illC 111.11 illlCfCM ulllile FUlllh 1lll111l1C Il<IlU 10 UOIlllwer, Gild uulcu 1tll'h ill;Il:l:lllcul i\ 1ll.1I1l'
or upplicahh: law tC1luiles Iu..:h illle/c~llu l.Ic l""iJ, l.culler ~hallllul be tCljuimJ Iu !lay Oollu....er i111) illlclc~1 or c"'llil1l:~
UI\ Ihe FUlIlls, unllcr sh;lll "hc 10 l~-'Huwer, wilhout cJI3'gC. an nnnual aC(Quntin. of Ihe t=ulIlb 1110WIII8 (Icdlh illhJ i1chil~
lu Ihe "'unth IUIlJ Ille Ilufl~e (ur whidl CJcll delJillu Ihe hllld:!l .....in Illade. Tile Funlls ille plcu"cll ill alluJlllIll..d ~Cl'lUll~'
fur llle sums ~CUrtl1 by this t.!urllilge.
lC Ihe a/lluunt uf the foUlhls held hy 1t'1I1Ier, Illgclllel \\uh (he (ulule monlhly iml.:llll1lClllS u( Fllnd~ jla)olhlc plior 10
IIIC dlle dillu uf laACs, IlUC.ulll\'III~, ill\lllllllce pn;lIIiUlll1 alld l:/U1111d 'Cllls, 1110111 e..cc:ed Ille IllllUll111ICIIIIIICIIIII pJr '-,lid lilAC..,
IlUC1511Ienls, lil\UtiUlCe IlIellliulllS Dllll glllUlllJ lenls as llle)' fJ11 due. sUfl1 eAccusllilll be; al UorltlWer'S 1I1'liulI, eilllc, 11/111111111)'
ICjlJkllU Uofltlwer or C1eJJlcJ lu IklllUwcr UlllllulIlhly illSl,llllllellls o( FUllJS, If Ihe llllluunl ur jllC I'um!!. held hy lelll!..:'
5113111101 be surficiellllo J1.1y I.IACS, aUC5lll1ellh, imtllancc pttmiums and &lUund Itnb IS Ihe)' fall duc, Borumcr Ihall pay
Iu ullder any :lInoUlIllfeccssary 10 make ulllhe dcficienC)' in une or more p.1ymelll\ ns l.ender llIil~' 'elll/ile.
Upon paymenl ill (ull of ..:1 slims secured by Ihis MUIll:J&e, undcr shall plumptly reCund lu Uolluwtr OIlIy FUllllI held
hy l.ender. If illldcr parJ&,apll 17 heleof lhe 1'!Openy is IUld ur lhe Pcupcrly is othcrwi~ o3C4uireJ by I.eUllel, 1 cnde. ..11;111
3pply, 110 laler Ih311 il1lllledialdy prior In Ihe sale IIf Ihe I'wllCrly or ils acquisiliun by l.emler, allY 1-'1InJs hclJ h). lelldt:1
OIl lile lime ur applic,:lIioll OIS a t:ttllil iJ&.:IinSI Ihe sums scctJlttl by Ihis MOrlgil&e.
J. ^pplleallun ur l'iI)'lIIenls. Excepl for loans made J1unuant 10 the l'cnnsylvanin Consumer lJi~t:ouUl ('wllpany At:I,
iJlll'aYll1ellu ,ccei\'cJ lly unller under lhe Nole and parJgrajlhs I and 2 hereof Ihall l.lc aJlfllieJ lly under fmlll) inlCll'\1
nl Ihc iljlpliCJble colllr.act r.a1C, and Ihcll Iu Ihe prillcip.al.
4. rrior "1o'l~ili:rs and Urr~s ur ltuslj CharKcs; l.ICII~, Borrower sllall peleOrll1 all or Uorcuwer'r. obligalilllls Ulhlcr
ilny murtgJge, deed o( lrusl or olher securily agltcment Wilh a lien which has priority ove'r this MOrlga&c, illcludillS IkJrlUwcr\
(U\cnJllu 10 mOl~e IlJyulenls "hell due. DorrOYo'er shall payor, t.1USC to be p;titl alllale.5, aUC1Smenls nmJ oilier charg~,
rilles alllJ impositions at!ributolhle 10 Ihe I'ml>>Clly which IllJY allain. priorily O\'er Ihis Motlga&e. JIlJ leJ~e"uh.J jla)'lllCIII\
ur glUuml rents, if 3ny.
.5. Huard Inlur;ancc. Uuflowc:r Sll311 keep Ihe ill1lltU\'CIllCIl1511UW elisling or hereaftcr erecled on Ihe I'llIpclly ill~lllctl
Jl;Jilhl 11h\ by (ire, hJ/ards illduJcl1 within IIle leflll 'hlelldetl c:melo3&c:' allJ slldllll!ltr hJ/arJ:!I a\ I Clldc! 111.JY ICljllln;.
lhe ill5UrilnlX t::JIIier rnu\'idilll; lhc ;mur:lllcc ~II;\II he dl\l\Cl1 by UOrln....er suhjccllo npllluvJll1y lendcl; plll\'idetl, IIlal
..1lt:1I applUval sllallllol he UllICJ$(lIlilhl)' willlllcltI. All iI111I1Jltr.:e p..llit;ics illltllC/lCwals Ihereuf shall ht ill a rllllll au:cpl;lhle
Iu It'lIt.kr II11J ~hall illcludc a stallJald UlUJlgage c1alllC ill fJ\'ur of anJ in a furlll DccClllable 10 l.cmler. (.cllJcr Ihall 1I..,,"e
Ihe ,i"hl 10 hold (he policies aad rellcWills thefco(, sulljc!.:1 lu the tcrms of nny 1110tl&3&C, Jeel.l uf IIIISI ur ulher ~t:llfil)'
a),;reelllcnl wilh a liell wllich has Ilriurily O\"cr Ihil MorlgJge..
In Ihe evcnl of lou, Dormw~r sh3111i'le plOllIplllUlicc Iu Illc insurancc CJrrier alllJ under. l..clluer m.ly lllOllt: jllUl.lr ul
loss i( 1I0t made pmlllplly by Borrower,
If the I'roperly is aooudoncJ by Borrower, ur i( Uo1luwcr (ails to ttspoud 10 (.ellder wilhin 30 ..JilYS (rul1llhc JJle lllllkc
is lll.Jikdby lender 10 &1Io.....cr Ih:lIlhe insUtilllt:e carrier uUcrs 10 Kille u claim (ur illsur<:lm:c lx:lldils, It'lIuer ii o3Ulhori/cd
10 wllecl anti apply Ihe insur.ance procecds all.ender's Olllioll eilher 10 rc5lor.uion or ,ep;tir of IlIc ('mpcrl)' or !tllhe SUlII\
secured by this Mortgage.
6, Prcscnallon and Maintenance o( Proputyj l..ust'holJsj Condominiums; I'lannrd Unll Uc\c1oprncul'i. BOllu.....er 511.111
lCCjllllt: I'lUperly in good o:pOllr UllJ shallllul WllIlI1il wa)lc or permil illlflairmcnl or JeledOllllioll o( Ihe 1'lIIpetl)' illlu
shall (lIlIlply with the provisioll5 o( any lease i( Ihis MUflgaKe i\ u1I3leaseholu. If Ihis Morlgage is 011 a ullit ill a l.ol1llulllillilllll
ur a pl;lIItlcu unil de'l"tJolllllenl,lIurNwtr sh3111~rforl1l 0111 o( Bornl\l,'tr's 01Jlig31iuns under Ihe dedar.llioll ur cmcn.1l1ls t:rcillilllJ
or gmcrllin& Ihe: condominium or 11131lnell Illlil de\.clojllllelll, Ihe by,laws nnd legulations of Ihe conllornilliulll or ptlllllcd
Ul1l1 de\c1opmClll, nllll conslilucnt doculllenls.
7, )'roletlltJl1 "r l.tlldl'r'~ Securlty,lf IJollo\\otr (ails IOI-':lfllllll Ille UI,,"C1I31l1s nlld i1gn:emellh colllaillcll illlhl\ MOlll:.lgi:,
ur Ir any "'Iioll or pnxccding is ronuuellced which malerially ar(CCIS l.cnller's illlrn.:sl in Ihc I'mpcll)', then 1t:l1llcr, all.clHlc,'~
upliol1, UptJl1110lice In IJorrower, llIay make such "PllCJrall(e\, Llisllurse sllch SUIIIS, illclllJing rcJ~t)lIablc alhHl1C)I' rCC\, aud
lale ~lIdl al:liun ilS is llecess3ry 10 prolecl under's ill[etcII.
'Ii; Ihe eAlelltlllH plohilJiletllly applicable law, illlY illl1ll1ulIS disllU/!lCJ b)' l.ender ptmuallllU 1111I I'J/Jl:raph 7, ....,,11
inlclcsllhereoll allhc aJlplico3hle conlrJcl rale, ~hJII becollle ilIldiliollJl illdclJtetlllt1S of l1orm....w ~curcd II). !lli\ MUlI&"l':
l111lcss Ikmuwer ilntll.cntler llgree 10 olher ICIIllS Ilr P~YIllCIII, ~lIch 11I1lOl/llls shilll be Ilil)alJle UPUIlIIOli(e hlllll l.endcr hI
lkmu\\ocr tt411cslillg IIOI)'UlenllllelCuf. Nothing lllllliliucll ill 1111" paragrilllh 7 ~hall fe1luire (.ellder 10 illt:ur allY eJ.pemc \11
talc ally acliull Ill:leullder,
K, III~pn'llon,l.clllJcr IllJY male lit CJIl\C In tx 1l1.Jlle IC,I\Ullilble cllllics 111'10,11I 3llll impel.7tiollS or llle I'JIIIII.:II)', pm'lidl' I
Ih311.cnder Sll311 &h-: Borro.,\-er l1olic.: prior 10 ::lIY ~lll:h impl.7t:1illi1 spe.:ihing rCl1iollilbk .:ausc Ihccdur rd:lcJ ItllL'lldel'~
inlr/e\1 in llle I'roperly.
9. Condclllniltloll,lhe I'mccCt.b u( allY awarJ tit ..:IJill1 fur ..JilIll3ac:s, direcl or con~qllcrllial. illWlIlItClioll \l,ith l.ll;y
cunuclI11131iun or othcr lo3king u( Ihe Properl)', or palllhereu(, 11r (ur UJll\'e)'3IlCC in lieu of COlldClll1l3liun, arc Irelchy a\\ibll"'.1
null shall be p;tid 10 L:m.ler, subject 10 llle lams o( allY l11u.lgal;e. deednr Irwt or oilier se(urily ngrtCmell1 ....ilh a lien whidi
hilS priorilY o\'cr lhis Morlg3ge.
10. Oorru,,"u Nol Rdcurdj Furburilncc lIy I-'"ndu Nul a Wahrr. btemioll of Ihc lime (or llil)'lI1tlll ur 1II1..lifKOIlluil
u( <:Illlurti~ljun o( IlIe Illl1lS ~cllr\.'lllly Ihis MUflgJgc KlalllnJ by l.elltler Iu illly Succcuor in iUleJcsl uf BOJW\\ot:f ..rId ,Ill
olher p.lrlics who lite or hcreaflcr become lCt:undJrily lio3ble ,hilll nol oper<:lle 10 ,elcal(, in OilY lIlilllllCI, Ihc liilhilil)' of 1110.:
orilinal Doflowc:r Ind Borrowcr's succcuorslll iUlen:sl. l.ellder shall not be requirell 10 commence procecdings iI&Jimlll11Cll
Su"wor or re(use 10 utendlil\1c fur paymenl or utherwise /ll'....h!y il1I10nilJlion o( Ihe: sums sccurtd by this Murlgage by
n:nuJI ur :IlIY dcmanll 1II0ldc tJ)' Ihe ori"illJll.Ioflo\l,t:r allJ lIolluwer's IUCcc.uors in inle/cst. All)' (mlJcMJlll.C hy It:lh.Jel ill
c..erci,ing aoy righl or remedy It :reundcr, or oll,erwise Olf(lllllcd lIy <:IPIllic3ble l<:Iw, Sh3111101 lie 3 wai\cr u( ur I'lccluJe IIll.
ucrci\e o( DIlY such right ur r:mcdy,
II, Succr~\o" and ^.....Ii:n\ lluullIJ; Juinllnd Sc'u..ll.l..Lilil~; ('0 IllCnco. The Ul\"C:llallls o3lk.! it&ttclllelll\ hm:iu Ullll,llllt:.;
)hJIJ bIfid, i1l1u Ihe righlsliclclllllkr SIl.111 inurc Ill, IIle respct:li~e sut:Ceuors and auigll5 of (.clldcr alldlkulIl\\Cr, ~llhjcl1
III III!: pruvi~illllS or p.1ra&rapll 1(1 IlerCllf, ^U cmcnalll.. Jllll il!:/Cl'IIIClll\ o( l~urnlwcr ~ll:ltJ Ill: jllill1 alul "c\el,11 ^Il\. I~ 11111\\\'1
'villi ~\l ~ibm llti~ MUllGagc, hili Ulll....ll'll c'crlllc Ihe NIIII', 1;1) h UI \il:llilll\ IlIi\ t11UlIC,I~C UIlI)' hi rnmll;il~e, f,1;11l1 illld (111I\n
,/"
/'
,,\
11I:11 11"1111\\("1" 11I1(IC\1 illlhe 1'.I'll('r1r In Jrllllct Illlllet the Itlm' elf Ihi, 't\lLIl11I:llc.tl.l j, 11I1111C1\HlIntfy Ij"blc olllhe Nlllc
OF llIulcr lhi, MIl/II"Se.. RIlII (el "an:eJ Ihall!'llrJcr 111111 nil)' (lllier Un/rower hen:llllllcr 1II1l)' illite 10 UICllll, IllIJo,li(y, flll!It'IH,
11' IlU\C ;Hl)' IIlher nt:cllllll1lOd,1IillllS witlt rtl311111llhc Iwllt ul Ihis Mm1S"gc or tile Note withollllhnl Burlll\\'CI ~ ('1l11\(H1
~llld n-iIJlltlllldc,nIIlB th;tI lIufllIwcr ur 1I11)llifyiI18 Ihi, Mmll!"lc in to lhal BtUm......c'.s illICIC:\t in Ihe 1'11l!"Clly
12. Nullrr. beepl fill nllY IlCllke requin:d IIllller npplknhlc law In he ai\clt in ..,\lllller 1ll11l1m:r, (al nllY Hullee III HOff1l\\("
1'lll\'i,lrd rll' Illlldl t-.lllllg,1ic Ihnll he al\'ell II)' Jclivc.luR 11m IIy lIlnlliH, MII:h lIotice 11)' ,ta1tlcrcJ tH cCltified llI"il nlltllc~~cd
l'II~IIIlI\\('1 nllhc r'mpc'l)' ^lldl~U or at s\H;h III her Atltlrc~\ n\ UllIl1lWel 1\111)' tlc~iallnle II)' lIolke 10 11:llller .1\ plO'l'ldrd
IIm'ill, :llld Ihl AllY 11111 ice III I.endcr ~hnlllx ai\'r11 l1y l1=ai'lcn=d 1Ir cl:rlifie,llllailln Itucler's :ultlrt''' ~1.1tc,1 ~1{,ICi!1 or In 'lid I
nlllO 11.111,1."\\ A\ 1 cllller lII;1y tlt\igll:lIc hy 1I0Iil'l~ IlIltofflll\('f :1\ pmvillecllit'ICill, ^IIY Illlliee J1l11vidclt fw HI IIIIS MIII1i!:lF.e
\h"III'1: deCUlCIII!) h:1~c hcen li'lclllo nOfmwer or Itlltler when liven inlhc IIl:1l1l1er tlc.sign:lIeJ Ilcn:;n,
1.1. C;tIlt.nlull.ni St,rrlhllily,lhe !I:1fc :lIullol."AI hms ll( Ihe juri\diclion ill which Ihe Prol-:tly is loc,lled sh:lll lIpply
e,rept wllelc \lIch I:I\\'\ CIIutlkl wilh rcdernllnw, in which c,"e, rl'tler:1llnw ,lpplie\, IUlhe c~elllll1:lIIUl)' pnlvi,iun or clnu,e
C1f thi\ Morllnll: or Ihe Nflte cUllniels wilh l\(IpliealJle lnw, such cOIlOicl 51101111101 orrecl olhcr f1.nwi\iollS of Ill!' MOIlp:'lJc
III Ihe Nole w/lkh call he girrll tlfecl withoUI Ihe CClllrliclill~ pl1)~isillll, A/ltllo lhis ent.! Ihe jllUYi\inru of 11m MIIIlJ:lfe
alllllhe Nole Art IkdiU!;tllll he ~e~cfl1hlc. ^s met! hen:in, 'bl\I\," "u(lell\n" "lid "nlllHlleys' ree\" illchhle nil SIUll\ In Ihe
('\1('111 1It11 jln1hihiletl lIy aplllicnhlc law or limiled Ilerciu.
I'" lIunlUtrr'. ellllY, HtIllllwer shall be 11lIuhhed n l"tlllflllllled copy IIr Ihe Nule nuJ IIf Ihis MCIIIgll~(,. if rcqIlC\[l'tl,
:11 Ihe lime uf C~cclllinll or nllcr It'cunJ:uioll heft'tlC
IS, ffl"halllBl:tUlln IIIAn ^lrttMlrnl. norruwer shnll (ulfill nil or lIotluwet's llhlig:lliollS WIder :IllY home Ithi\hiliiilliul1,
il1lpIII\l'll1rlll.lrll.lir, ur fllhcr 111:11I i1lrtelllcnl wllidllllllruwc, rlllq' inln willi ICllllcr, l.clltler, nll€llllcl'~ IIplillll.1I1:1Y leljlllle
1I111l1l\\CI III cAet:llle AIILI dclh.cI 11I1.cUller, ill iI f01l1l ill'fel'l.,111L: III 1 (,lIllel, all :I\,iglllllellluf nil)' ri~hl'\, d:lilll\ III Ilcfl'lI'l'\
\\111111 111111I1\\'er lIIay h"",e n~:'Iill\ll'nrlic'\ wllll !lIl'ply l,l11l1r, 1Il,'\ICliab III ~efvk(''\ ill clIulleeliulI willi ;1II11111\,('lIIflll\ 1I1allc
III the "ullc,ly_
II" -UIIIl\frr uflhc I'Wllt'IT, Ir lImlUwer ~ell\ III IInll\f", 1111 ur nllY (I,l'luf the 1"IlIC,ty m nl' illlelC\llhclein, h'l"hlllill~
a \"Ie hy lallll CtlllllilCI, hili tAcllldillllallhe erulilln IIf n licll 0' CllelllllhrallCe 5IloonIi1l:'IIC In IlIi, Murlgagc,lhl iI l'i1l1~rrr
hI" de~i\e, c1e~'elll, or hV ol'emllulI of Inw upon Ihe dealh flf:1 jlliullellnlll, (cllhe Irlllll nf allY lei"ehold tlllen:\ll1~ !lure
\'.011\111 1('\\ 111~ ('lllll.,illill. nlllllllitllllnpun.:llll\C, Itllllle Clcnlillllllr 1'l plll~lla\e IUtllley ~urily hllcl'C.\1 fllr IICllI\c:11I11L1 ill'lllllllll"e\,
lL'1;t Ilall,rl'r In A Itlalive u',ullill& rnlllllhe tlenlh IIf n 1J41fnlwef, Ul 0 I1tllls:er whelt Ihe spume or ehild~11 of Ihe IItlfOlwc:r
IlCl'IIlIle "" f1Wller uf the p'lIllCrly, (I) A Imlnfer rt\ullill& rmlll 11lecn:c or di_\\olutiOll of IIInrrinle.1c11l1 st'p:lI~tiun :'IRrrelllelll,
11/ Illll1l:1Il illddelllill (1",pClly !ClllelllclIl Dg~elllelll, lJy whit:h IIle ~IIl)ll\e lIf Ihe 1I11f0lWel hccul1lc~ lIll mvllcr of llle (lOlpcrl)',
(hl:1 11"l1\rer ill In all illler "ivo~ IrllSllu whit.:h Ihe BmfUwcl i~ illltl ft'lUaillS" hCllcCicill.y lllld which doc\ IInl rcl:lle III n
llall~rl't of ,ights ur l)CCllp:tIICY in Ihe prope.ly. Of iii nil)' olhcr Ir:amrer or &~pmilion dc~crihctI in rt'lulnlinll\ f1rc\crill('lt
IIY Ille I.cllel:llllollle In;tn It:lllk Ill);tnJ,IJormwcr sllilll (ilU\e III he ~ulll1lillcll illrUllllntinrlltqullttlllY ICllder In C\':1III:lle
lllr Ilamfrlee n\ if A flew IU:ln wen: hcil1l111nde 10 Ihe h;1l1\fc,re. JllllRl\\"er willt:ullliuue 10 he nhlig;lIclllIlulc:r Ihe Nole
:11111 lid, Mnrllage lillie" l.cntler n:lc4.~ Ikunlwcr in wriling. .
If lemler docs Ilollllrce 10 stich ule or IrtllUfer,l.ender lIlny declnre nil of lhe slims !CCllIttl L)' Ihis Murlgil&e III he
illllllcdinlely dlle nlld f1a)'lIhle. If ttllder clIercl.\e~ \lIeh uflliun In aClclcrnlc. l.cnller ,lInll mnil nornnvcr 1101 ire lIr :1Cl:e1ell1lillll
~II :lCt,lIIllilu(c \~jlh I~r:t~rnf'h 12 ,hcltur, SlIch l10lice !lllIll "rmille n I'erillll ur nullc...., 1I1~1I 30 !I:ty~ f",mllle t1illc llic I,mlke
I~ 1lI,11!ctl or ilehverttJ WIIllIlI wludl Oormwer 1ll:1)' 1l.1Y 1I1l~ \1111I\ tledncclclllt'. I( I1nrmwer (:III~ In (lilY ~lI(h ~UlIl\ /I"IH In
Ihe ClI,i/:tliuu uf 5l1dl (1eritlll, l~lHler lIIt1y, wilhulIl fUlt/lcr lllllile ur Ilclllallll 011 Ilcnm\\'er, in~llle illlY ftllledie\ 1Il.'I/llilll'd
It., j1;\/:tgl"pli 17 hetcur.
NON llNIFUllM ('()VEN^N.IS, Ilorl1lwer nucllcl1Iler fmlher l"l1YCIl:'l1l1 illllJ :I~rte il\ folluw\:
17, Arrrltulion: RtmrdlC':'l. IIpolI nUHonrr'~ bre:'leh III :lln' eUltllanl or ftJ,l,rftnlrnl flf nOUCIl1f" Inlhl, Murls:,t1s:,t,II1r1l1llinr,
lilt nnrlltllll.lo p;t, "hen dll(, In, IIlIm. ~cllrrd Ity 1M. Mn'IR;t~t,I,('llIlt'r Pllor In IllCrrlullllnn ~hall ~ht IIl1lh,t In Ilurrllllu
:1'\ p'lIllllttl flY IIflpllublr lAW sprcll)'lnr:, amnn& ulhrr IhlnJ!.': (J) lht brCl!:h; m lilt' .cllnn reQuired In cure ~Ilch hlurhj (,\)
" Ihlt, null('~. Ihan 30 day., lrom lht dill' lilt' nollet I, mallrd In "nnuMr, b, "hleh ~lIeh hrufh mmlllt cllftll; IMlI I,ll
111011 lalhnt III Cllrt Jllch bruch on "' bdott lht dalt ~p('r1ntd In Iht nnller may rcsullln aC'Ctlr;lIl1nn 01 the ""m'\ ~r(,lIftfl
II)" lhl'\ MlI,ljitllJ!.t, rllrcclo~U't hy Judicial ptller't'dlnt, .nd ,ale flllht I'wpr'ly. 111(' nllliee ~hlll fllrlhtr 10rllllll lIurrfl\\tr fir
lilt' rhdlllll rrln\lalt .flet IC('tlrrallon and lht' rl211110 "ulI In Ihe 11I.rclu~llre proctt'dln2 lilt' nOAuhlrnet' III :I r1d:lnll
IIr allTlIlhrr tlrrtll.\t' IIf IInrru"rr III .('nltrallon tnd fllrtrlu\lur. If Illr lurAch ,-, nlll rnrtd un fir hefurt' lilt' dalr \prrllinl
In lilt IInllel', 1.tlldrr,lIll.fndcr'" opllon, may drrbut 1111 nf 1111' ~1I11" ~r(,llftd hy IhI. Murlt:R~t' In he hl1lurIU;tlrl). Ilul' :11111
f1:1)alllr nllllollllllrlhrr drlll,,"ll and hllY rllfrclll.~e Ihl, MClIIJ::12t' hrlllllirlalluIICudlll5!:. 'rb Iht' nlrnl nnl f1rullll,iltll II)
:IpplintJIt' 1:1", Itndrr ~hall bt rnlhlrd 10 collrclln sllch prn(,rt'dln~ all nprn'r~ fll fnrcrlo_'"rl',lnrludln~, 11111 nlll Llllirell
In, ru\ollllhle lI11n.nty'5 ItU, lInd co,I., or dnCUOlcnl.ry t\ldrnrr, :lh,lr:ttl,' In.lllllt' rrpmb.
IR. nllrrfl"Cf'!1 RI~lJIln "cln~lalr. NolwillnlilllllillR l€lltlcr's :lccelel;llioll nr Ihe ,\11111-' ~eclln:tl hy Ihi\ Mmlltn:.: l'lle
h~ 1J411~lwer's bft:'lch, IJorrowcr shnll h:lvc Ihe rilhlln Illlve :IllY (1m('cedill~' hegllll hy l.cllller,lo enfOll"e Ihi, MClJlp~_c
Ih\t"lllllllllletll'll l'llly lime (lrior 10 nllea,1 olle IIOI1r herOle Ihe COI1l11lCIlC~'lI\c"l or hitltlillg r:1 ,'~herirr~ ~:lle fir 11111,.': \;lIc
I'III~lInnll{) this Morlgngc ir: lilI Ilolmwcr (l3Y~ Itlltler all ,11I11\ whieh \\1111111 he Ihell due \llIder lhis Morlr,g~ :IIHIIIII' '...;nte
~lacll.llI accelelalion nccllflttl; (b) Iknmwcr CIIIt\ i11l hft';tchc~ uf :11I)' IIlher CO\"i~nnll" or ngfteU1Clll\ or nllTmwer C11ll:,I::~11
III 11m Morllngc; (c) rklfmwcr fl,')'s 1111 ltasull:1hle eAIICll\c~ inclIfrtcl hy Iflltler in enforcing Ihe covcll:'lnl\ rllld nglt'r .\'''11\
or IIUIIIII\'er COIllnil1r.tlln Ihi~ Mnrlgl1ge ftnd In Cllfnrcillg l(,lIder'\ ,cllIcllieo; lI\ pmvitlell in fl:lrngrnJ1h 17 hcftof, iurl .Il~'
hlllllllllilllilellln, It:il~nllnhle Illlnrneys' ree.'; nlltl fcl)llnrl\lwcr lake, mdll'..:,ioll M I€wler 11111)' reil\Oll:'lhly ,rljui,t: 10 ',\~ile
Ih"lllie liell nllhi, MtIIl~nle.I€IllIt:r'~ Illlen:~1 illllle 1'/C1ICIIV nlllllllll'111\'C(S nhli~nlil1llln (11'1)' Ihe Slllll\ ~CCIlIl''' I ' lhi~
MllIlr.:Jr,e \11:111 t:ll!ltilllle IIl1illlf1l'lirCII. UpOIl such p,lYll1eul :ulIl nile hy IlIlT/tlwer, Ihi\ MIIIlg:!ge 111111 Ihe ubligillil1u\ l .IIIl'd
IIl'lch~' \h:lIl,t'I11A111 ill lull fufte aut! d(CCI n\ U 1111 nccr.!('l:\lillll h:'lll tll.Clllttll.
1lJ, ^\\I~lIl11rnl uf IIrnh; ^l1f'lIIll1llUtlJl nlltruhrr, ^\ nclllilillllal ~eCIll ily herel1l1llct, 11111w.....ef hC'lt'hy :I\\ip:m III i IUkl
Ihe t(,1I1~ Ilf Ihe l'lIIpt:,IY,llnlvillcd Ihl'lllluIIllIver ~h:'lll, (Ilim III :u;tCle'illiollllllulcr fl,lm~r;lph 17 hercflr IIr nh"tlIIlIlol;lo.'lll
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NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Creditor: HOUSEHOLD REALTY
CORPORATION
phone: (BIH1)B46-75Hl Ext 7946
Address: 961 Weigel Dr.,P.O.
Box B632,Elmhurst,IL 69126
Date of Notice: October 17, 1996
The MORTGAGE held by Household Realty Corporation, d/b/a Household
Finance Consumer Discount Company (hereinafter called we, us or ours) on your
property located at 195 E. Main Street, Plainfield, Pennsylvania, IS IN
SERIOUS DEFAULT because you have not made the mOllthly payment of $232.99 for
the month of February and $355.99 each for the months of March, April, May,
June, July, August and September of 1996 inclusive. Late charges (and other
charges) have also accrued to this date in the amount of 5298.94. The total
amount now required to cure this default, or in other words, get caught up in
your payments, as of the date of this letter is $3,915.94.
You may cure this default within THIRTY (39) days of the date of this
letter, by paying to us the above amount PLUS any additional monthly payments
and late charges which may fall due during this period. Such payment must be
made either by cash, cashier's check, certified check or money order, and
made at 961 Weigel Drive, P.O. Box 8632, Elmhurst, II, 69126. Payment may be
made by mail, but must' be received in our office by the time specified by
this notice.
If vou do not cure the default within THIRTY 1391 DAYS, we intend to
exercise our riqht to accelerate the mortqaqe pavments. This means that
whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original mortgage in
monthly installments. If full payment of the amount of default is not made
within THIRTY (39) DAYS, we also intend to instruct our attornevs to start a
lawsuit to foreclose vour mortqaqed propertv. If the mortqaqe is foreclosed
vour mortoaoed proper tv will be sold bv the Sheriff to pav off the mortoaoe
debt. If we refer your case to our attorneys, but you cure the default
before they begin legal proceedings against you, you will still have to pay
the reasonable attorney's fees, actually incurred, up to $59.99. However, if
legal proceedings are started against you, you will have to pay the
reasonable attorney's fees even if they are over $59.99. Any attorney's fees
will be added to whatever you owe us, which may also include our reasonable
costs, If vou cure the default within the thirtv dav period, vou will not be
required to pav attornev' s fees. We may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage. If you
have not cured the default within the thirty day period and foreclosure
proceedings have begun, vou still have the rioht to cure the default and
prevent the sale at anv time up to one hour
before the Sheriff's foreclosure sale. You mav do so bv pavinq the total
amount of the unpaid monthlv pavments plus anv late or other charoes then
due, as well as the reasonable attornev's fees and costs connected with the
foreclosure sale land perform anv other requirements under the mortqaqel.
It is estimated that the earliest date that such a Sheriff's Sale could be
held would be approximately six (6) months from today. A notice of the
date of the Sheriff's Sale will be sent to you before the sale. Of
course, the amount needed to cure the default will increase the longer you
wait. You may find out at any time exactly what the required payment will
be by calling us at the following number: (899) 846-7519 Ext 7946. This
Customer(s): James A. Painter
and Joanne H. Painter: 195 E. Main
St., Plainfield, PA 17981; P,O.
Box 65, Plainfield, PA 17981
Account Number: 713393-96-B67669
EXt1H3~r
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payment must be in cash, cashier's check, certified check or money order and
made payable to us at the address stated above.
You should realize that a Sheriff's Sale will end your ownership of the
mortgaged property and your right to remain in it. If you continue to live
in the property after the Sheriff's Sale, a lawsuit could be started to evict
you.
You have additional rights to help protect your interest in the
property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF
THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY
OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY
SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE
DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES, AND ATTORNEY'S
FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER
REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER
WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS
DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
If vou cure the default. the mortqaqe will be restored to the same
position as if no default had occurred. However, you are not entitled to
this right to cure your default more than three times in any calendar year.
Very
"
truly yours,
;,.2--
James )\.S
539 Cour
Reading,
HOUSEH
BY:
ton Greene, Esq.
Street
PA 196111
D REALTY CORPORATION
FOR:
Si Ud. no comprende el contenido de este aviso tanga la bondad de hacer
traducirlo ya que contiene informacion de suma importancia con respecto a su
propiedad.
NOTE: Unless you notify this office within thirty (38) days after rece~v~ng
this notice that you dispute the validity of this debt or any portion
thereof, this office will assume that the debt is valid. If you notify this
office in writing within thirty (38) days from receiving this notice, this
office will: obtain verification of the debt or obtain a copy of judgment and
mail you a copy of such judgment or verification. You are also advised that
any information which you supply to this office may be used by us in the
collection of the debt. If you request this office in writing within thirty
(38) days after receiving, this office will provide you with the name and
address of the original creditor.
2
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TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE
The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage
Assistance Program may be able to help you. Read the following notice to
find out how the program works.
La notificacion en adjunto es de suma importancia, pues afecta sue
derecho a continuar viviendo en su casa. Si no comprende el contenido de
esta notificacion obtenga una traduccion immediatemente llamanda esta agencia
(Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba.
Puedes ser elegible para un prestamo por el programa llamando "Homeowner's
Emergency Mortgage Assistance Program" el cual puede salvar su casa de la
perdida del derecho a redimir su hipoteca.
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
customer(s): James A. Painter
and Joanne H. Painter: 1~5 E. Main
st., Plainfield, PA 17~81; P.O.
Box 65, Plainfield, PA 17~81
Account Number: 7133~3-~6-867669
Creditor: HOUSEHOLD REALTY
CORPORATION
Phone: (8~~)846-7510 Ext 7946
Address: 961 Weigel Dr.,P.O.
Box 8632,Elmhurst,IL 60126
Date of Notice: October 17, 1996
Your mortqaqe is in serious default because you have failed to pay
promptly installments of principal and interest, as required, for a period of
at least sixty (6~) days. The total amount of the delinquency is $3,015.94.
That sum includes the following: $232. ~~ for the month of February and
$355.00 each for the months of March, April, May, June, July, August and
September of 1996 inclusive. Late charges (and other charges) have also
accrued to this date in the amount of $298.94.
You mav be eliqible for financial assistance that will prevent
foreclosure on your mortgage if you comply with the prov~s~ons of the
Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may
be eligible for emergency temporary assistance if your default has been
caused by circumstances beyond your control, and if you meet the eligibility
requirements of the Act as determined by the Pennsylvania Housing Finance
Agency. Please read all of this Notice. It contains an explanation of your
riqhts.
Under the Act, you are entitled to a temporary stay of foreclosure on
your mortgage for thirty (30) days from the date of this Notice. During that
time you have the right to arrange a
"face-to-face" meeting with a representative of this lender, or
with a designated consumer credit counseling agency. The purpose of that
meeting is to attempt to work out a repayment plan, or to otherwise settle
your delinquency. That meetinq must occur in the next thirty (3~1 days.
If you attend a face-to-face meeting with this lender, or with a
consumer credit counseling agency identified in this notice, no further
proceeding in mortgage foreclosure may take place for thirty (3~) days after
the date of that meeting.
The name, address and telephone number of our representative is: Mark
Swiatek, Household Realty Corporation, 961 Weigel Dr., P.O. Box 8632,
Elmhurst, II. 60126, 1-800-846-7510 Ext 7946.
The names and addresses of designated consumer credit counseling agenies
are attached. It is only necessary to schedule one face-to-face meeting. You
should advise this lender immediately of your intentions.
If you have tried and are unable to resolve this problem at or after
your face-to-face meeting, you have the right to apply for financial
assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order
to do this, you must fill out, sign, and file a completed Homeowners'
Emergency Assistance Application with the Pennsylvania Housing Finance
Agency. The consumer credit counseling agency will assist you in filling out
your application. It must be filed or postmarked within thirtv 130\ davs of
your face-to-face meetinq.
It is extreme Iv important that yOU file Your application promptlv. If
YOU do not do so, or if vou do not follow the other time periods set forth in
this letter. foreclosure may proceed aqainst your home immediatelY.
Available funds for emergency mortgage assistance are very limited.
They will be disbursed by the Agency under the eligibility criteria
established by the Act.
It is extreme Iv important that your application is accurate and complete
in every respect. The counseling agency will help you to fill out the
application. The Pennsylvania Housing Finance Agency has sixty (60) days to
make a decision after it receives your application. During that additional
time, no foreclosure proceedings will be pursued against you if you have met
the time requirements set forth above. You will be notified directly by that
Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101 North Front
Street, P.O. Box 8029, Harrisburg, PA 17105. Telephone No. (717)780-3800 or
1-800-342-2397 (toll free number).
You must either mail your application to the Pennsylvania Housing
Finance Agency, or you must file it at the office of one of the designated
consumer credit counseling agencies listed above.
An application for assistance may be obtained from this lender, from a
consumer credit counseling agency, or directly from the Pennsylvania Housing
Finance Agency.
Enclosed also is another notice from this lender under Act 6 of 1974. That
notice is called a "Notice of Intention to Foreclose Mortgage". You must read
both notices, since they both explain rights that you now have under
Pennsylvania law. However, if you choose to exercise your rights described in
this notice, we cannot foreclose upon you during that time.Also, if you
receive financial assistance from the Pennsylvania Housing Finance Agency,
your home cannot be foreclosed upon while you are receiving that assistance.
By: James Ashton Greene, Esq.
539 Court Street
Reading, Pa. 19601
FOR:
HOLD-BfALTY CORPORATION
40 ,:;..--
James Ashto Greene, Esquire
/
P 463 359 743
US PO'ilal StH'.lC}
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